Search Images Maps Play YouTube News Gmail Drive More »
Sign in
Screen reader users: click this link for accessible mode. Accessible mode has the same essential features but works better with your reader.

Patents

  1. Advanced Patent Search
Publication numberUS5940811 A
Publication typeGrant
Application numberUS 08/732,584
Publication date17 Aug 1999
Filing date15 Oct 1996
Priority date27 Aug 1993
Fee statusLapsed
Also published asUS6105007, US20030191714, US20050038737
Publication number08732584, 732584, US 5940811 A, US 5940811A, US-A-5940811, US5940811 A, US5940811A
InventorsJeffrey A. Norris
Original AssigneeAffinity Technology Group, Inc.
Export CitationBiBTeX, EndNote, RefMan
External Links: USPTO, USPTO Assignment, Espacenet
Closed loop financial transaction method and apparatus
US 5940811 A
Abstract
A method and apparatus for closed loop, automatic processing of typical financial transactions, including loans, setting up checking, savings and individual retirement accounts, obtaining cashier's checks, ordering additional checks, issuing credit and debit cards, wire transferring money, and so on. The transactions are provided from a kiosk and controlled by a computer controller interacting with the consumer. In the case of loans, a computer controller helps the consumer in the completion of the application, performs the underwriting, and transfers funds. The computer controller obtains the information needed to process the application, determines whether to approve the loan, effects electronic fund transfers to the applicant's deposit account and arranges for automatic withdrawals to repay the loan. The computer controller reviews documentation requirements including consumer lending and other required documentation with the consumer and obtains acknowledgment of acceptance of terms by having the consumer sign an electronic signature pad. Copies of documents with a digital photograph are printed out by a printer in the kiosk for the consumer. Finally, the kiosk has the capability of imprinting a credit or debit card in response to a consumer request.
Images(3)
Previous page
Next page
Claims(8)
What is claimed is:
1. An automatic loan processing system providing real time loan processing without human intervention for applicants located at a remote interface, said system comprising:
a. a remote applicant interface adapted to:
i. allow a loan applicant to remotely request a loan from a financial institution; and
ii. receive data from the loan applicant;
b. a data processing system with associated memory having weighted underwriting criteria bearing on the ability and willingness of a borrower to repay a loan based on prescribed data obtained from the borrower and information about the borrower obtained from at least one database containing information about the borrower relevant to the ability and willingness of the borrower to repay a loan;
c. a communication network electronically coupling said data processing system to said applicant interface;
d. without human assistance, said data processing system adapted to:
i. receive the data from the applicant received at the applicant interface;
ii. access the at least one database for information relevant to the loan applicant's ability and willingness to repay the loan;
iii. compare certain of the information received from the loan applicant and certain of the information received from said at least one database relevant to the applicant's ability and willingness to repay the loan with said weighted underwriting criteria to provide an underwriting score;
iv. based on the underwriting score, determine in real time and without human assistance if the loan applicant's requested loan is approved; and
v. send a result to the remote applicant interface informing the loan applicant whether or not the requested loan was approved.
2. The automatic loan processing system of claim 1 wherein said communication network is electronically coupled to a printer located in a place accessible to the applicant for delivering loan documentation to the applicant.
3. The automatic loan processing system of claim 1 wherein said data processing system is further adapted to effect an electronic funds transfer of an approved loan amount from the financial institution's account to the applicant's account.
4. The automatic loan processing system of claim 1 wherein said data processing system is further adapted to periodically effect an electronic funds transfer of an approved payment amount from the applicant's account to the financial institution's account for automatic repayment.
5. The automatic loan processing system of claim 1 wherein said applicant interface is a public kiosk having a data input means and display.
6. The automatic loan processing system of claim 1 further comprising a printer associated with and located at said remote interface, said central processing system cooperating with said remote interface and printer to print a check in an amount for at least a portion of the approved loan.
7. The automatic loan processing system of claim 1 wherein said remote applicant interface includes a display and said data processing system is configured to transmit an image of a loan agreement to said remote applicant interface for display on said display.
8. An automatic loan processing system providing real time loan processing without human intervention for applicants located at a remote interface, said system comprising:
a. a remote applicant interface adapted to:
i. allow a loan applicant to remotely request a loan; and
ii. receive data from the loan applicant;
b. a data processing system, with associated memory having weighted underwriting criteria bearing on the ability and willingness of a borrower to repay a loan based on prescribed data obtained from the borrower and information about the borrower from at least one database containing information about the borrower relevant to the ability and willingness of the borrower to repay a loan;
c. a communication network electronically coupling said data processing system to said applicant interface;
d. without human assistance, said data processing system adapted to:
i. receive the data from the applicant received at the applicant interface
ii. access the at least one database for information relevant to the applicant's identity and for information relevant to the applicant's ability and willingness to repay the obligation;
iii. verify the loan applicant's identity by comparing certain of the information received from the applicant with certain of the information received from said at least one database relevant to the applicant's identity;
iv. compare certain of the information received from the applicant and certain of the information received from said at least one database relevant to the applicant's ability and willingness to repay the credit obligation with said weighted underwriting criteria to provide an underwriting score;
v. based on the underwriting score, determine in real time and without human assistance if the applicant's requested loan is approved; and
vi. send a result to the remote applicant interface informing the loan applicant whether or not the requested loan was approved.
Description

This is a file wrapper continuation of application Ser. No. 08/327,653 filed Oct. 24, 1994, which is a continuation-in-part application of application Ser. No. 08/113,205 filed on Aug. 27, 1993, both now abandoned.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present application is a continuation in part of Ser. No. 113,205 filed on Aug. 27, 1993.

The present invention relates generally to closed loop financial transactions. More specifically, the present invention is a method and apparatus for processing financial transactions automatically, including loans, applications for credit, establishment of accounts and other transactions that typically take place at banks.

2. Discussion of Background

Currently, consumers go to banks, credit unions and other types of financial institutions for a wide variety of services. At these institutions, one can deposit and withdraw money, transfer funds from one account to another, establish checking and savings accounts, arrange for automatic deposits to and withdrawals from accounts, apply for credit and debit cards, establish and fund individual retirement accounts, purchase certificates of deposit and savings bonds, obtain cashier's checks, and order checks for checking accounts. Although the numbers and types of financial institutions have proliferated, going to these during normal working hours is still a chore.

For years, night deposit boxes have made it possible for businesses and individuals to deposit money in a bank after hours. The advent of automatic teller machines make some of these financial services, particularly withdrawal of funds from checking accounts and the obtaining of cash advances against a credit card limit, possible both during the day and after normal banking hours. Of course, many financial transactions can still be handled through the mail. Nonetheless, there remains a significant number of services that can only be provided to a consumer if he or she is willing and able to go to a financial institution to get them.

An example of one such service is borrowing money. Borrowed money is essential to facilitate commerce and personal finance. Individuals and businesses borrow money on both a short term and a long term basis for better management of their day-to-day financial transactions and to obtain the goods and services they need when they need them. If the need to borrow money is anticipated, the arrangements for borrowing can be made in advance of the need. But financial needs are sometimes not foreseen, and the extent of a financial need is not always known or knowable in advance. Furthermore, these arrangements are usually somewhat of a necessary inconvenience because they take time and effort to complete.

When an individual needs to borrow money, the lender will not only expect repayment, but will also want to have confidence that the amount lent can be repaid on time. The effort by the borrower to provide the lender with this confidence level will depend on the amount lent. For example, a loan of less than one hundred dollars might be made simply on the basis of knowing that the individual to whom the money is lent has a job. For lending millions of dollars, the lender may want to take a security interest in assets that have a value in excess of the amount lent, to cover fluctuations in the values of those assets during the time the loan is being repaid.

Not only will the borrower have an obligation to convince the lender that the borrower is credit worthy, the lender also has obligations to the borrower. For example, in consumer loans, laws require the lender to carefully explain certain aspects of the terms of the loan, and, if the borrower's application for the loan is turned down, the reasons why.

When time and foresight permit advance arrangement of loans, the act of borrowing can be made much simpler. When time is short and the need for the loan was not anticipated, the act of going through the process of borrowing may be so time-consuming that obtaining the loan may not be possible at all.

Typically, a business and an individual will either borrow relatively small amounts using credit cards, with pre-approved credit limits or go to a lending institution for larger sums, where the process of completing documentation for borrowing money takes longer and is subject to conditions that must be fulfilled before the loan can be made. Naturally, for large loans the safeguards for the lender take time. But for smaller loans, those above credit-card limits but still below a level where there might be a significant concern of the ability of the lender to repay the loan, there exists a need for greater convenience.

Other services offered by banks, such as applying for credit cards, are similar to borrowing money insofar as applications must be completed and processed for approval. Others are essentially administrative, such as opening a checking or savings account, obtaining additional checks and obtaining a debit card. All such services must be obtained by going to a bank and completing the necessary documentation, with the attendant inconvenience.

SUMMARY OF THE INVENTION

According to its major aspects and briefly stated, the present invention is a method and apparatus for closed loop processing of financial transactions such as, especially, a loan or credit card application, including completion of the application, underwriting, and transferring of funds. The term "closed loop" means that all the steps involved are performed by a computer that is programmed to make the decision to approve or disapprove the request and to complete all aspects of it, including complying with regulatory requirements, on behalf of the financial institution within minutes of the time the consumer initiates the request for the particular service. In loan application processing, for example, the closed loop includes the steps of transferring the funds to the borrower and arranging for repayment, as well as completing the loan application and underwriting it, including execution of regulatory requirements related to consumer financing, all done without human intervention. In the primary examples presented in the present invention, for loans and credit cards, the apparatus uses a computer controller and a telecommunications link, plus other electronic communications equipment, to enable the complete, automated processing of the application; namely: (1) the exchange of information with the applicant, preferably using "touch-screen" or voice recognition technology; (2) the underwriting, which means the evaluation and, importantly, approval of the application, plus, most importantly; (3) immediately transferring electronically the funds from a source of funds to the deposit account designated by the applicant; (4) completing of consumer financing regulatory requirements; and, optionally, (5) automatic withdrawals from the applicant's account to repay the loan.

With respect to financial transactions generally, the present invention is the closed loop performance of financial functions via a computer and monitor mounted in a kiosk, located in convenient places and using "touch-screen" or voice recognition technology, for the consumer to indicate choices and provide information, and an electronic signature pad to obtain the signature of the applicant indicating understanding and acceptance of the terms of the transaction.

In the example of a loan or credit card, an applicant applies via a variety of communication and electronic routes to make contact with the computer, which responds to the applicant and obtains information using touch-screen technology, in which the consumer applicant indicates a choice or supplies information by touching a computer monitor at the locations provided, or voice recognition technology, where the consumer simply states a choice or other appropriate response recognizable to the computer controller. In the case of a touch screen monitor, the computer controller can sense touching of the screen electronically and determines the location touched. Information about the applicant is also obtained via electronic transfer of data to the computer from one or more databases, including those that provide name and address based on a caller's telephone number, and from credit bureaus that provide credit reports on an applicant given an applicant's name, a social security number and an address.

In a preferred embodiment, the computer capability of the present invention also contains evaluation criteria in the form of underwriting models, that are used to "score" the application; that is, to make a determination of whether to approve the application based on a computer analysis of factors deemed important in assessing the would-be borrower's ability and willingness to repay the loan and to quantify the risk of its not being paid.

Finally, the loan agreement and other documentation, important for assuring that regulatory requirements have been met, are signed by the consumer using the electronic signature pad, and copies of the agreements with the electronic signature set in place are printed out for the consumer. The processing of the application is done completely and automatically, without human intervention.

In a preferred embodiment, the user-interface is a kiosk housing a computer controller, at least one telecommunications link, a monitor or "touch-screen" monitor, a camera to make a digital photograph of the applicant, a bank card reader to identify an applicant and activate the computer controller, and means for electronically transferring the signature and a photograph of the borrower onto the loan or credit card agreement. The kiosk may be established at a convenient location, such as an airport terminal, a bank, a shopping area or a store selling goods that might carry a price higher than a typical credit card limit, such as a jewelry store or computer sales store, for example. The kiosk can enable the consumer to establish checking and savings accounts, apply for and be immediately issued or sent credit and debit cards, establish and fund individual retirement accounts, obtain savings bonds and certificates of deposit, arrange for automatic deposits to and withdrawals from accounts, obtain cashier's checks, and order checks for checking accounts.

An important feature of the present invention is the extent to which the financial transactions are processed by the computer controller and without human intervention. Computers are used to assist in processing applications routinely, but the extent of use here significantly exceeds that known in the art. Here, the processing by computer controller includes underwriting the application and deciding to make or deny the loan (or delay loan approval until more information is provided) or credit, and the issuance of funds in the form of an electronic fund transfer from a source of funds controlled by the computer controller or printing of a check by the printer housed in the kiosk, or issuance of a transaction card, such as a credit, debit or "smart" card, imprinted with the necessary information. The use of the computer to access certain information not within its own memory via telecommunications link also eliminates the need for human-based processing. Avoiding human intervention not only saves processing time and reduces errors, but also eliminates bias in the decision to approve or deny the application.

The use of a kiosk to make available to borrowers the communications capability for applying for a loan or credit card is another important feature of the present invention. Kiosks, placed in convenient locations, will contain electronic equipment that facilitates and speeds all of the steps of the application. Importantly, because funds are deposited directly into the borrower's bank account rather than dispersed directly to the borrower from an automatic teller machine, the obtaining of funds from such a kiosk is safer than obtaining funds from a teller machine.

Yet another feature of the present invention is the use of an electronic signature pad to obtain signatures of consumers for applications, for signature specimens, for indicating an understanding of regulatorily-required disclosures, and for consent to the various financial services provided. Because signatures can be obtained and recorded electronically, there is no need for the consumer to interact with a financial representative handling paper documents, and, therefore, financial transactions can be done at any time of the day. Documents that are to be given to the consumer can be printed out by the printer carried by the kiosk. In fact, the present invention greatly reduces the need for financial institutions to maintain offices and makes it more cost effective for them to provide kiosks in remote areas rather than branch offices.

Yet another feature of the present invention is the inclusion of a camera to make a digital photograph of the user for placing the photograph on checks, credit cards and loan documents, to prevent fraud and deter theft.

The use of "touch screen" technology, another feature of the present invention, makes it easier, quicker and more reliable for the consumer to indicate a selection.

Other features and advantages will be apparent to those skilled in the art of automatic financial transactions from a careful reading of the Detailed Description of Preferred Embodiments accompanied by the Drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

In the drawings,

FIG. 1 is a flow chart illustrating the menu of services and the major steps of an automatic financial lending system according to a preferred embodiment of the present invention;

FIG. 2 is a perspective view of the front of a kiosk according to a preferred embodiment of the present invention; and

FIG. 3 is an enlarged view of the kiosk of FIG. 2 according to a preferred embodiment of the present invention.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

The present invention is a method and apparatus for providing closed loop financial services. In a preferred embodiment, these services include those identified in FIG. 1: specifically, making loans, issuing checks (such as cashiers' checks) certificates of deposit, treasury bills, mutual fund shares, issuing transaction cards, such as credit/debit cards and so-called "smart" cards, and establishing new accounts and depositing funds. The particular examples of loans and credit cards will be described in detail. However, the other services, as will be described presently, can also be obtained in accordance with a preferred embodiment of the present invention.

The present invention includes making a loan or obtaining a transaction card automatically, that is, a closed loop financial transaction. By the term "automatically," it is meant that an application is received and processed, the decision to grant the loan or to issue the credit card, and the deposit of the loaned amount to the borrower's account, is made entirely by computers in conjunction with voice and electronic communication equipment. Similarly, in the case of other financial transactions, "automatically" also means each step is handled by the computer controller without human intervention, assistance or decision-making.

The term "required documentation" or "documentation required by regulation" refers to documents required by the lender as part of good financial institutional practice for meeting internal requirements and regulatory requirements. With regard to regulatory requirements in particular, the regulations are Federal Reserve Board Regulations B (12 CFR 202 et seq.) and Z (12 CFR 225 et seq) promulgated pursuant to Title I of the Consumer Credit Protection Act (15 USC 1640 et seq.) and the Federal Truth In Lending Act (15 USC 1601 et seq.), respectively. These regulations prescribe the information to be given to a borrower or potential borrower regarding the terms of the transaction and reasons for denial of credit. Financial institutions usually comply with these regulatory requirements by providing the information to consumers in writing and obtaining the consumer's signature that the information was in fact provided and understood.

"Transaction cards," used in the context of financial tranactions, refer to credit, debit, "smart", merchant, or credit identification cards containing information encoded in some way on the card, such as magnetically.

FIG. 1 shows a flow diagram according to a preferred embodiment of the present invention. The user (sometimes referred to herein generally as "consumer" or "applicant" or "borrower" in the case of loan applications) accesses the system by approaching a kiosk 40 (see FIGS. 2 and 3) that has either voice recognition capability through a voice communication processor 30 or a monitor 50 with touch screen capability. Touch screen capability in monitors is well known. To indicate a choice presented by a computer monitor having touch screen capability, the user simply touches the screen at the location indicated. For example, images of a "yes" and a "no" button will appear and, by touching the "yes" button, the consumer indicates an affirmative answer to the question presented.

Use of voice communication processor 30 requires the consumer to state aloud a choice rather than point to one on monitor 40. This technology is obviously more sophisticated than touch screen technology but is also well known in several other applications.

Touch screen monitor 50 or voice communication processor 30 enables the consumer to "talk" to the transaction processor 10. By so communicating, information can be exchanged and the particular types of transactions selected by the consumer can be completed. Importantly, the consumer is interacting with transaction processor 10 without assistance from employees of the financial institution. Interacting with a transaction processor can be viewed as impersonal, but it can also be viewed as more private and freer of bias.

Kiosk 40 is activated by drawing an ATM or bank card or equivalent through a magnetically encoded card reader 70 or by providing a member number for credit unions or a merchant number for merchants and finance companies. The information encoded in the magnetic stripe on the back of the card is read by reader 70 and the information passed to transaction processor 10.

In a preferred embodiment, transaction processor 10 inquires of the consumer as to the type of transaction desired and selects the corresponding application or account information module, 130, 140, respectively, that then assists its informational gathering activities. If the consumer wishes to apply for a loan, credit or to set up a new account, application module 130 is activated to obtain the requisite information from the consumer and comply with lending institution and regulatory requirements associated with the particular application. If the consumer desires to withdraw or transfer funds or to make a purchase or a deposit, transaction processor 10 will activate account information module 140 to move funds from an account or from one source of funds to another account or will issue a check from kiosk 40 to the merchant or directly to the consumer.

In either case, information must be exchanged with the user. This information comes in part from the consumer's physically indicated or spoken responses to inquiries and in part from a database 60 using the borrower's telephone number for identification. Transaction processor 10 determines caller's name and address from database 60 based on the telephone number of the consumer or, in a preferred embodiment, from information encoded magnetically on a bankcard used by the consumer to activate kiosk 40. Other than confirmation that the consumer wants to apply for a loan (or, alternatively, to initiate one of the other transactions possible), the amount desired, and the term, transaction processor 10 initially needs only the applicant's name, address and social security number for identification. This information is used to obtain a credit report from a credit bureau.

The applicant's credit report is obtained from the credit bureau by transaction processor 10, evaluated using an underwriting model 90, to be described more fully below, and a decision is made based on the results of the evaluation by underwriting model 90, which results are in the form of a score and an associated risk factor, to grant or deny the loan or credit card application. Transaction processor 10 informs the borrower of the decision and, if the application is granted, presents the terms of the financial transaction to the applicant via monitor 50. If the borrower accepts the terms of the loan or credit card, the borrower can sign the documents electronically using an electronic signature pad 100 on kiosk. The same approach can be used to verify in writing the fact that the borrower understood the terms of the loan or credit card, as required by law, or, if the loan or credit card is denied, that the borrower received a copy of the negative determination letter with its explanation as to why the application was denied. In each case the consumer's signature on the documentation can be secured electronically.

When transaction processor 10 has received the credit report, it sends the report electronically to underwriting model 90 (which could be interfaced with a "neural network," a type of computer program that adapts an underwriting model to lending experience) to begin the evaluation of the application. The evaluation may proceed by iterating among a set of criteria that are weighted. In the present application, one criterion that may be used in deciding to approve the application is that the applicant have a full time job; this criterion may in fact have the greatest weight. However, if the borrower owns a home and has several bank accounts, criteria directed toward these assets might outweigh the lack of a job.

Analyzing the loan or credit card application involves determining a score on which granting or denying the loan or credit card will be based. A typical scoring system simply assigns points to various factors that may be considered in the loan or credit granting determination. Preferably, however, an underwriting model is used for scoring the application or at least for updating on a periodic basis the points applied by a more traditional scoring system.

Underwriting model 90 is established by first identifying criteria that might have a bearing on the ability and willingness of the borrower to repay the loan or credit card. Then historical data is gathered to determine the influence, or weight, to be given to each criterion. The data is examined and the initial set of weighting factors are applied to develop estimates of the actual outcome of the data. The model's estimates are compared to the actual outcome, and the weights are adjusted to make the estimates closer until the outcome predictions have been optimized. Underwriting model 90 uses information calculated from the credit report, such as the ratio of debt to liquidity. An underwriting model designer will also make a judgment on how few criteria are needed to make a sufficiently accurate prediction. There are commercially available computer programs, known to those skilled in the art of computer decision-making, that can be used to develop underwriting models for the lending model upon entering the criteria and initial weighting factors.

If the analysis of underwriting model 90 determines that the loan should be made or the credit card issued, additional information is confirmed by transaction processor 10 from data obtained from database 60 or a credit bureau or is obtained from the borrower using transaction processor 10, namely, the borrower's deposit account number, the caller's facsimile number, and the caller's acceptance of automatic withdrawal. Then, the terms and conditions of the loan or credit card must be established in writing and the borrower's signature obtained. Obtaining the signature of the borrower can be accomplished using an inkless electronic signature pad 100 and electronic pen 105 that, when the borrower makes a signature while holding pen 105, recreates, through digital technology, the signature of the borrower on the signature line of the documents displayed on the personal computer monitor.

A camera 110 carried by kiosk 40 can be used to take a photograph of the applicant digitally. A digitally generated photograph of the applicant can be placed on documents near the signature location. The signed documentation is printed using a facsimile or a laser printer (not shown) in kiosk 40. The documentation may include a copy of the digitally-generated photograph next to the signature and is issued through a printer port 120.

Transaction processor 10 then issues an electronic instruction to a source of funds such as lending institution (not shown) to transfer electronically the borrowed amount to the borrower's bank account at a deposit institution (not shown). Before the application is approved, however, there are several checks made by transaction processor 10 to prevent fraud. For example, the name of the applicant and the applicant's signature is verified, both electronically. Information obtained from the applicant including date of birth and the number of years with present employer, is compared to that available from a credit report or other sources such as the national death and birth records, drivers' licenses, criminal records, etc.

In a preferred embodiment, part of the terms of the lending agreement include permission from the borrower for the lender to make an automatic, periodic withdrawal from the borrower's bank account for repaying the loan. The automatic direct deposit by electronic fund transfer to and the automatic withdrawal of payment from the borrower's deposit account are especially important features of the present invention because they eliminate portions of the process from human control and delays. Also, if the borrower has an immediate need for the loan, direct deposit will make these funds available as quickly as possible, avoiding delays resulting from mailing, lost checks, the time taken for a check to clear, and the need to go to the deposit institution to make the deposit. Any documentation requiring the borrower's signature, including consumer lending disclosure information, will be handled as discussed previously.

No human needs to intercede. Transaction processor 10 communicates with the borrower to extract information from data base 60 and a credit bureau; underwriting model 90 makes the decision to lend, and transaction processor 10 obtains the signature of the borrower on the lending agreement using signature pad 100. Processor 10 effects the electronic fund transfer and arranges for automatic withdrawal of monthly payments. Throughout the process, transaction processor 10 will interact with the borrower using monitor 50 of kiosk 40 to prompt the borrower, who can indicate on the touch screen responses to processor 10 for the latter to obtain the credit report and process the application. Loan or credit documentation can be stored electronically by processor 10 in kiosk 40, or be transmitted by modem (not shown) within kiosk 40 and connected electronically to transaction processor 10, printed using an internal printer, and the copies of the forms issued through printer port 120.

As an example of the prompting that can be done, transaction processor 10 can ask: "Are you currently employed? Press `yes`or `no.`", "How much is your monthly income?", or "How much do you spend per month?" This information, provided by way of example, would be available from a credit report, but can be confirmed by prompting a response. Alternatively, if the information is asked and the responses, based on a partial analysis, indicate that the loan cannot be made or credit not extended, the applicant can be so informed by printing a regulatory-compliant credit denial letter, and the time, need and cost of obtaining a credit report can be avoided. The answers to the prompts can be input by the borrower by using "touch screen" monitor 50 in kiosk 40.

After approving the loan or credit card application, transaction processor 10 will review with the borrower the information relevant to the loan or issuance of a credit card, such as the account number to which the direct deposit will be made and the name of the deposit institution, the account number and name of the automatic withdrawal institution, the date of the month and the first month the automatic withdrawal will begin, the address and payee if the check is not intended for deposit into an account, late charges that could apply, the finance charge, the annual percentage rate, the total cost of all the payments, and the total amount financed. This information needed from the borrower regarding his or her accounts can be obtained by transaction processor 10 after underwriting model has made the determination to make the loan or issue the credit card.

The preferred embodiment for enabling a borrower to complete a loan or credit card application is housed in kiosk 40. FIGS. 2 and 3 depict kiosk 40 for use by an applicant in initiating an application. A kiosk is basically a housing that can contain all of the equipment for a borrower to use in contacting and communicating with a remote, centrally located transaction processor 10, or, alternatively, kiosk 40 can contain processor 10. Kiosk 40 includes monitor 50 with touch screen capability, a magnetic bank card reader 70 that enables a bank card to be read to identify an applicant as well as the applicant's bank and corresponding checking account, a magnetically encrypted card reader, an internal printer with communications link (not shown in FIGS. 2 and 3) and, in a preferred embodiment, electronic signature pad 100 and associated electronic pen 105 and a security camera 110. Signature pad 100 is a surface that converts the motion of electronic pen 105 as borrower holds it and goes through the motions of making a signature to an electronic image of a signature and transfers it electronically to transaction processor 10. Camera 110 takes a digital photograph of the consumer and transmits it to transaction processor 10 for application to checks, credit or debit cards, so-called "smart" cards, and loan documents. "Smart" cards are plastic cards with magnetically encoded information about the bearer of the cards, including such information as name, address, telephone number, social security number, any pertinent medical data, next of kin, account information, and so on.

In use, an applicant will enter kiosk 40 and indicate using "touch screen" monitor 50 his interest in a loan or any of the offered financial services offered. He will be prompted by transaction processor via monitor 50 to run a credit, debit, "smart", ATM or merchant card through a card reader 70 to identify himself or, alternatively, may simply enter sufficient other information to validate his identity. Transaction processor 10 will access one or more databases 60, such as a credit bureau, to obtain a credit report, to run a fraud analysis, for signature verification, or to see if the consumer has written bad checks or the card is stolen. As before, the information obtained from the applicant and from the credit report will be scored, preferably using underwriting model 90 to determine whether or not to approve the application. Whether approved or disapproved, the applicant will be so informed and the loan or credit information or, if appropriate, a loan/credit denial letter provided. The signature of the applicant can be obtained using electronic signature pad 100, and a signed copy of the agreement printed out through printer port 120 with a digitized photograph of the applicant. Meanwhile, the electronic transfer of funds will have been arranged and communicated to applicant (or to a merchant or dealer selling the item purchased with the loan) as well as obtaining the borrower's permission via a signed consent form done in similar fashion to have his deposit account automatically debited to repay the loan. All regulatory requirements will be met by presenting information to the consumer via monitor 50 and obtaining concurrence of understanding by a signature using signature pad 100.

As stated above, loans and credit cards are but one of many types of services that can be provided by a kiosk of the type described or with slight modifications. In fact, all the basic services provided by financial institutions --depositing and withdrawing money, transferring funds from one account to another, establishing checking and savings accounts, arranging for automatic deposits to and withdrawals from accounts, applying for credit/debit/smart cards, establishing and funding individual retirement accounts, purchasing certificates of deposit, savings bonds, and mutual fund shares, obtaining cashier's checks, and ordering checks for checking accounts--can be done using the kiosk and computer controller of the present invention.

For example, and referring to FIG. 3, if a consumer has a checking or savings account with a particular bank and desires a debit card, one that enables him to debit such an account for purchases or to obtain cash, he can use the features of a kiosk 40, including a transaction processor 10 (see FIG. 1) and a touch screen monitor 50, its electronic signature pad 100, credit card reader 70, document and check printer (not shown), printer port 120, and credit/debit card port 150. In a procedure somewhat similar to applying for a loan, the consumer can apply for a credit card with a credit limit or a debit card that draws on his or her account. If, instead of a loan, the applicant wants a line of credit or has an account with a bank, a credit or debit card, respectively, can be imprinted by transaction processor, including a copy of the digital photograph taken with camera 110 and issued from kiosk 40 through credit card port 150 from a supply of cards kept within kiosk 40.

In establishing a checking or savings account, the consumer can transfer funds from another account to set up the new account or feed in a check to a scanner for deposit to the new account. Identifying the signature specimen can be obtained by the signing of electronic signature pad 100. Regulatory approvals can be obtained by first displaying documents on the monitor screen, highlighting those requiring careful explanation and obtaining both the consumer's acknowledgment that they were explained and that he understood them. Copies of the documents can be printed out for the consumer to take with him by the printer carried in kiosk 40.

It will be apparent to those skilled in the art that many modifications and substitutions may be made to the foregoing preferred embodiment without departing from the spirit and scope of the present invention which is defined by the following claims.

Patent Citations
Cited PatentFiling datePublication dateApplicantTitle
US3970992 *25 Jun 197420 Jul 1976Ibm CorporationTransaction terminal with unlimited range of functions
US4017835 *11 Feb 197412 Apr 1977Randolph Richard DSystem for verifying credit status
US4491725 *29 Sep 19821 Jan 1985Pritchard Lawrence EMedical insurance verification and processing system
US4598367 *9 Nov 19831 Jul 1986Financial Design Systems, Inc.Financial quotation system using synthesized speech
US4600828 *24 Sep 198415 Jul 1986Ncr CorporationAutomatic issuance of passbooks and the like
US4646250 *18 Oct 198424 Feb 1987International Business Machines Corp.Data entry screen
US4648037 *15 Mar 19843 Mar 1987Metropolitan Life Insurance CompanyMethod and apparatus for benefit and financial communication
US4649832 *24 Mar 198617 Mar 1987Ncr CorporationDrive-in, self service banking system
US4675815 *8 Feb 198423 Jun 1987Fujitsu LimitedTransaction safety system for falsely indicating successful completion of illegal transaction
US4683536 *29 Jul 198528 Jul 1987Tokyo Electric Co., Ltd.Product sales data processing system for on-line connection to host CPU
US4730252 *24 Sep 19858 Mar 1988International Business Machines Corp.Document composition from parts inventory
US4736294 *23 Jun 19875 Apr 1988The Royal Bank Of CanadaData processing methods and apparatus for managing vehicle financing
US4890228 *21 Jan 198826 Dec 1989Beneficial Management Corporation Of AmericaElectronic income tax refund early payment system
US4958368 *31 Oct 198818 Sep 1990Gte Mobilnet IncorporatedCustomer activation system
US4965821 *23 Dec 198823 Oct 1990Gte Mobilnet IncorporatedCellular mobile radiotelephone-based system for rental of mobile equipment
US4992939 *5 Aug 198812 Feb 1991Tyler Brian GMethod of producing narrative analytical report
US5023904 *12 Oct 198911 Jun 1991Science Dynamics CorporationDirect telephone dial ordering service
US5025138 *6 Jan 198718 Jun 1991Vincent CuervoMethod and system for providing verifiable line of credit information
US5025373 *30 Jun 198818 Jun 1991Jml Communications, Inc.Portable personal-banking system
US5049862 *6 Oct 198917 Sep 1991Communication Intelligence Corporation ("Cic")Keyless flat panel portable computer--computer aided notebook
US5083270 *14 Dec 199021 Jan 1992Interforce, Ltd.Method and apparatus for releasing value of an asset
US5202825 *8 Jul 199113 Apr 1993Norand CorporationTransaction control system including portable data terminal and mobile customer service station
US5206803 *15 Mar 199127 Apr 1993Vitagliano Francis MSystem for enhanced management of pension-backed credit
US5218539 *10 Oct 19908 Jun 1993International Business Machines CorporationForms processor with controlled remote revision
US5220501 *8 Dec 198915 Jun 1993Online Resources, Ltd.Method and system for remote delivery of retail banking services
US5231571 *14 Aug 199027 Jul 1993Personal Financial Assistant, Inc.Personal financial assistant computer method
US5239462 *25 Feb 199224 Aug 1993Creative Solutions Groups, Inc.Method and apparatus for automatically determining the approval status of a potential borrower
US5241620 *3 Jan 199131 Aug 1993Promised Land Technologies, Inc.Embedding neural networks into spreadsheet applications
US5274547 *3 Jan 199128 Dec 1993Credco Of Washington, Inc.System for generating and transmitting credit reports
US5297202 *20 Nov 199222 Mar 1994Ncr CorporationApparatus and method for producing a digitized transaction record including an encrypted signature
US5361201 *19 Oct 19921 Nov 1994Hnc, Inc.Real estate appraisal using predictive modeling
US5537315 *23 Mar 199416 Jul 1996Mitcham; Martin K.Method and apparatus for issuing insurance from kiosk
US5559895 *8 Nov 199124 Sep 1996Cornell Research Foundation, Inc.Adaptive method and system for real time verification of dynamic human signatures
US5604341 *13 Mar 199518 Feb 1997At&T Global Information Solutions CompanyATM as video conferencing station
US5611052 *1 Nov 199311 Mar 1997The Golden 1 Credit UnionLender direct credit evaluation and loan processing system
JPH05101250A * Title not available
Non-Patent Citations
Reference
1"AT&T and Novell, Inc. Agreement to Offer New Public Backbone", Bank Systems & Technology, Jul. 1994.
2"Electronic Network Will Link Dealers to Many Lenders; Goal is to Create a Form of EFT Transfer System", American Banker, Feb. 8, 1988, 06.1, vol. 153, No. 26.
3"Interactive Banking Gets a Push Up North", Bank Systems & Technology, Mar. 1994.
4"Interlinq Mortgaga Software Hits Big Time", American Banker, Nov. 18, 1987, p. 12, vol. 152, No. 226.
5"Loans in an Hour for Busy Shoppers", Consumer Financial, vol. 154, No. 243, p. 6, Dec. 1989.
6"Malone Introduces Innovative Banking Service", PC Newsletter, Jun. 1989.
7"Neural Networks: A Logical progression in credit and marketing decision systems", Credit World, Mar./Apr. 1993, pp. 26-33, Alan Jost.
8"Stocking Up At the ATMs: Citibank Machines to Allow Customers to Trade Shares", The Washington Post, Oct. 6, 1994, p. D11, Sandra Sugawam.
9Alan Reading, "A View of Technology in '92", Bank Management, vol. 68, No. 1, pp. 28-35, Jan. 1992.
10 *Alan Reading, A View of Technology in 92 , Bank Management, vol. 68, No. 1, pp. 28 35, Jan. 1992.
11 *AT&T and Novell, Inc. Agreement to Offer New Public Backbone , Bank Systems & Technology, Jul. 1994.
12Barchard, David, "Cautious Mortgage Lenders Redo Their Sums"; Financial Times, Sat, Jun. 20, 1992 p. 6.
13 *Barchard, David, Cautious Mortgage Lenders Redo Their Sums ; Financial Times, Sat, Jun. 20, 1992 p. 6.
14Bill Conroy, "Citicorp Test-Markets Device That Simplified Home Banking", The Business Journal--Phoenix, vol. 10, No. 51, p. 16, Oct. 1990.
15 *Bill Conroy, Citicorp Test Markets Device That Simplified Home Banking , The Business Journal Phoenix, vol. 10, No. 51, p. 16, Oct. 1990.
16Christy Tauher, "Commerce Branches Off into PC Banking", Bank Systems & Technology, May 1996.
17 *Christy Tauher, Commerce Branches Off into PC Banking , Bank Systems & Technology, May 1996.
18 *Electronic Network Will Link Dealers to Many Lenders; Goal is to Create a Form of EFT Transfer System , American Banker, Feb. 8, 1988, 06.1, vol. 153, No. 26.
19 *Harverson, Patrick; A Man with Grand Visions; Banking Technology; pp. 30 32, May 1993.
20Harverson, Patrick; A Man with Grand Visions; Banking Technology; pp. 30-32, May 1993.
21 *Interactive Banking Gets a Push Up North , Bank Systems & Technology, Mar. 1994.
22 *Interlinq Mortgaga Software Hits Big Time , American Banker, Nov. 18, 1987, p. 12, vol. 152, No. 226.
23Janet L. Fix, "Shopping List: Car Loan, canned corn", USA Today, Jul. 20, 1994, p. 6B.
24 *Janet L. Fix, Shopping List: Car Loan, canned corn , USA Today, Jul. 20, 1994, p. 6B.
25Karson, Daniel E., "A Private Investigator's Guide to Un-Covering Concealed Assets"; Mar. 4, 1987; p. 6, vol. 152, No. 43.
26 *Karson, Daniel E., A Private Investigator s Guide to Un Covering Concealed Assets ; Mar. 4, 1987; p. 6, vol. 152, No. 43.
27Kathleen Day, "Cutting Corners at the Kiosk: New Services Widen Use of Electrical Devices", The Washington Post, Jul. 22, 1994, p. A1.
28 *Kathleen Day, Cutting Corners at the Kiosk: New Services Widen Use of Electrical Devices , The Washington Post, Jul. 22, 1994, p. A1.
29 *Loans in an Hour for Busy Shoppers , Consumer Financial, vol. 154, No. 243, p. 6, Dec. 1989.
30 *Malone Introduces Innovative Banking Service , PC Newsletter, Jun. 1989.
31 *Mortgageware Resource Guide, Release 5.4d Nov., 1992, Interlinq Corp.
32Mortgageware™ Resource Guide, Release 5.4d Nov., 1992, Interlinq Corp.
33 *Neural Networks: A Logical progression in credit and marketing decision systems , Credit World, Mar./Apr. 1993, pp. 26 33, Alan Jost.
34 *New Paradigms In Retail Banking: The RDS Report on the future of Retail Banking Delivery, BAI, 1994.
35Patrick Haverson, "A Man with Grand Visions", Banking Technology, pp. 30-32, May 1993.
36 *Patrick Haverson, A Man with Grand Visions , Banking Technology, pp. 30 32, May 1993.
37 *Read, Richard; Crossing the track to success; Euromoney; pp. 177(4), Jun. 1988.
38Richard Read, "Crossing the Track to Success", Euromoney, pp. 1-8, Jun. 1988.
39 *Richard Read, Crossing the Track to Success , Euromoney, pp. 1 8, Jun. 1988.
40Rothfeder, Jeffrey; "Electronic Bill-Paying for the Little Guy"; Business Week; Sep. 25, 1989, p. 206E.
41 *Rothfeder, Jeffrey; Electronic Bill Paying for the Little Guy ; Business Week; Sep. 25, 1989, p. 206E.
42Russell, Rebecca D., "Keeping the Pieces Together," Security, vol. 28 No. 5, May, 1981, vol. 28 No. 5 "Abstract".
43 *Russell, Rebecca D., Keeping the Pieces Together, Security, vol. 28 No. 5, May, 1981, vol. 28 No. 5 Abstract .
44Steven Wilmsen, "Home-Banking Service Adding Denver to Financial Network", Denver Post, vol. 97, No. 309, see C, p. 1, Jun. 1989.
45 *Steven Wilmsen, Home Banking Service Adding Denver to Financial Network , Denver Post, vol. 97, No. 309, see C, p. 1, Jun. 1989.
46 *Stocking Up At the ATMs: Citibank Machines to Allow Customers to Trade Shares , The Washington Post, Oct. 6, 1994, p. D11, Sandra Sugawam.
47The Great Retail "Delivery Debate", Roundtable, May 1994, p. 20, Susan Sandler, ed.
48 *The Great Retail Delivery Debate , Roundtable, May 1994, p. 20, Susan Sandler, ed.
49 *Thornton, Emily; Going Belly up in Japan; Business Week; p. 54, May 1997.
50Thornton, Emily; Going Belly-up in Japan; Business Week; p. 54, May 1997.
51 *Thorton, Emily, Going Belly Up in Japan; Business Week, p. 54, May 1997.
52Thorton, Emily, Going Belly-Up in Japan; Business Week, p. 54, May 1997.
53William McCall, "People interface with banks from home", The Associated Press, Aug. 5, 1994.
54 *William McCall, People interface with banks from home , The Associated Press, Aug. 5, 1994.
Referenced by
Citing PatentFiling datePublication dateApplicantTitle
US6038553 *19 Sep 199714 Mar 2000Affiliated Computer Services, Inc.Self service method of and system for cashing checks
US6105007 *5 May 199915 Aug 2000Affinity Technology Group, Inc.Automatic financial account processing system
US6119104 *24 Nov 199712 Sep 2000KeycorpComposite banking desktop system
US6135349 *1 Feb 199924 Oct 2000First Data CorporationSystem and method for enabling a merchant to apply for a credit card processing account using the internet
US62089793 Dec 199927 Mar 2001E-Fin, LlcComputer-driven information management system for selectively matching credit applicants with money lenders through a global communications network
US628675628 Feb 200011 Sep 2001Innoventry CorporationCardless automated teller transactions
US6324524 *3 Nov 199827 Nov 2001Nextcard, Inc.Method and apparatus for an account level offer of credit and real time balance transfer
US6332134 *9 Mar 200018 Dec 2001Chuck FosterFinancial transaction system
US6405181 *3 Nov 199811 Jun 2002Nextcard, Inc.Method and apparatus for real time on line credit approval
US649693616 Jun 200017 Dec 2002Equifax Inc.System and method for authentication of network users
US650516816 Aug 19997 Jan 2003First Usa Bank, NaSystem and method for gathering and standardizing customer purchase information for target marketing
US650517612 Jun 19987 Jan 2003First American Credit Management Solutions, Inc.Workflow management system for an automated credit application system
US6567791 *3 Nov 199820 May 2003Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an application for credit
US658784130 Jun 19981 Jul 2003First American Credit Management Solutions, Inc.Computer implemented automated credit application analysis and decision routing system
US660408516 Apr 19995 Aug 2003Usa Technologies, Inc.Universal interactive advertising and payment system network for public access electronic commerce and business related products and services
US660408617 Jun 19995 Aug 2003Usa Technologies, Inc.Electronic commerce terminal connected to a vending machine operable as a telephone
US66066059 Aug 200012 Aug 2003Usa Technologies, Inc.Method to obtain customer specific data for public access electronic commerce services
US660910216 Apr 199919 Aug 2003Usa Technologies, Inc.Universal interactive advertizing and payment system for public access electronic commerce and business related products and services
US660910316 Jul 199919 Aug 2003Usa Technologies, Inc.Electronic commerce terminal for facilitating incentive-based purchasing on transportation vehicles
US661181017 Jun 199926 Aug 2003Usa Technologies, Inc.Store display window connected to an electronic commerce terminal
US661181622 Feb 200226 Aug 2003Lendingtree, Inc.Method and computer network for co-ordinating a loan over the Internet
US661518314 Jul 19992 Sep 2003Usa Technologies, Inc.Method of warehousing user data entered at an electronic commerce terminal
US66151909 Feb 20002 Sep 2003Bank One, Delaware, National AssociationSponsor funded stored value card
US66318496 Dec 200014 Oct 2003Bank One, Delaware, National AssociationSelectable multi-purpose card
US669520417 Mar 200024 Feb 2004Atc Realty Fifteen, Inc.Method and apparatus for automatic check cashing
US67387406 Apr 200118 May 2004Kenneth BarashSpeech recognition system for interactively gathering and storing verbal information to generate documents
US67756419 Mar 200110 Aug 2004Smartsignal CorporationGeneralized lensing angular similarity operator
US678639828 Feb 20007 Sep 2004Atc Realty Fifteen, Inc.Method and apparatus for automatic cashing of a negotiable instrument
US6795812 *15 Jun 200021 Sep 2004Nextcard, Inc.Implementing a counter offer for an on line credit card application
US683945316 May 20004 Jan 2005The Upper Deck Company, LlcMethod and apparatus for authenticating unique items such as sports memorabilia
US685707316 Oct 200215 Feb 2005Equifax Inc.System and method for authentication of network users
US6872138 *28 Oct 200329 Mar 2005Celeritas, Ltd.System and method for tracking game of chance proceeds
US696586530 Dec 199915 Nov 2005Bank One Delaware N.A.System and method for integrated customer management
US698096916 Nov 200027 Dec 2005Sears, Roebuck And Co.Methods and apparatus for allowing internet based purchases based on a temporary credit card number
US698808230 Dec 200217 Jan 2006Fannie MaeComputerized systems and methods for facilitating the flow of capital through the housing finance industry
US7020631 *21 May 200128 Mar 2006The Chase Manhattan BankMethod for mortgage and closed end loan portfolio management
US7025255 *3 Feb 200311 Apr 2006Diebold, IncorporatedApplication service provider and automated transaction machine system and method
US702762321 May 200311 Apr 2006The Upper Deck Company, LlcApparatus for capturing an image
US703200817 Aug 200118 Apr 2006Block Financial CorporationSystem for on-line financial services using distributed objects
US703591226 Jan 200125 Apr 2006Abaco.P.R., Inc.Method and apparatus allowing a limited client device to use the full resources of a networked server
US7058603 *12 Jul 20006 Jun 2006Nexus Corporation Sa.Transaction system
US712411321 Nov 200017 Oct 2006Troy Group, Inc.System and method for verifying, setting, printing and guaranteeing checks at a remote location
US712740611 Apr 200124 Oct 2006Triola C RichardMethod and apparatus for processing escrow transactions
US7139731 *30 Jun 199921 Nov 2006Alvin Robert SMulti-level fraud check with dynamic feedback for internet business transaction processor
US714306310 Mar 200328 Nov 2006Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an applicant for credit
US717779821 May 200113 Feb 2007Rensselaer Polytechnic InstituteNatural language interface using constrained intermediate dictionary of results
US71814273 Sep 199720 Feb 2007Jp Morgan Chase Bank, N.A.Automated credit application system
US7191938 *26 Dec 200020 Mar 2007Dynamic Solutions International CorporationSystems and methods for enterprise based issuance of identification cards
US720366320 Jun 200010 Apr 2007Jpmorgan Chase Bank, N.A.System and method for converting information on paper forms to electronic data
US720441227 Dec 200417 Apr 2007Compucredit Intellectual Property Holdings Corp. IiiFamily stored value card program
US721299620 Apr 20001 May 2007Jpmorgan Chase Bank, N.A.System and method for dynamic, multivariable comparison of financial products
US723415626 Nov 200119 Jun 2007Equifax, Inc.System and method for authentication of network users
US726956715 Sep 200511 Sep 2007Jp Morgan Chase Bank, N.A.System and method for integrated customer management
US728708925 Oct 200023 Oct 2007Thomson Financial Inc.Electronic commerce infrastructure system
US729599920 Dec 200013 Nov 2007Jpmorgan Chase Bank, N.A.System and method for determining eligibility and enrolling members in various programs
US729606519 Dec 200513 Nov 2007Block Financial CorporationSystem for on-line financial services using distributed objects
US730536025 Oct 20004 Dec 2007Thomson Financial Inc.Electronic sales system
US7310617 *1 Jun 199918 Dec 2007Block Financial CorporationReal-time financial card offer and application system
US73218708 Mar 200022 Jan 2008Stephen W. ComiskeySystem and method for providing financial services to high net worth individuals
US733083025 Oct 200012 Feb 2008Thomson Financial Inc.Distributed commerce system
US733395223 Jun 200019 Feb 2008Ebs Group LimitedCompound order handling in an anonymous trading system
US7356503 *21 Feb 20018 Apr 2008Fair Isaac And Company, Inc.ASP business decision engine
US737330415 Sep 200513 May 2008Jpmorgan Chase Banks, N.A.System and method for integrated customer management
US739523919 Jul 19991 Jul 2008American Business FinancialSystem and method for automatically processing loan applications
US740642617 Aug 200629 Jul 2008Jpmorgan Chase Bank, N.A.System and method for integrated customer management
US7415432 *17 Nov 200019 Aug 2008D.E. Shaw & Co., Inc.Method and apparatus for the receipt, combination, and evaluation of equity portfolios for execution by a sponsor at passively determined prices
US74284952 Oct 200123 Sep 2008International Projects Consultancy Services, Inc.Object based workflow system and method
US74285316 Feb 200323 Sep 2008Jpmorgan Chase Bank, N.A.Customer information management system and method
US743384014 Mar 20077 Oct 2008Jpmorgan Chase Bank, N.A.System and method for dynamic, multivariable comparison of financial products
US745437130 May 200318 Nov 2008Sureprep, LlcSystem and method for managing login resources for the submission and performance of engagements
US746102017 Dec 20032 Dec 2008Fannie MaeSystem and method for creating and tracking agreements for selling loans to a secondary market purchaser
US74671097 May 200716 Dec 2008Jpmorgan Chase Bank, N.A.System and method for determining eligibility and enrolling members in various programs
US74720881 Jun 200130 Dec 2008Jpmorgan Chase Bank N.A.System and method for offering a financial product
US748063115 Dec 200420 Jan 2009Jpmorgan Chase Bank, N.A.System and method for detecting and processing fraud and credit abuse
US7505939 *5 Oct 200617 Mar 2009Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an applicant for credit
US750927917 Apr 200624 Mar 2009Riskmetrics Group, Inc.Method and system for computing path dependent probabilities of attaining financial goals
US752305526 Jan 200421 Apr 2009Block Financial LlcFinancial information access system
US752719511 Apr 20055 May 2009Bill Me Later, Inc.Method and system for risk management in a transaction
US7539628 *14 Mar 200126 May 2009Bennett James DOnline purchasing system supporting buyer affordability screening
US754292129 Sep 20002 Jun 2009Jpmorgan Chase Bank, N.A.Network-based financial planning system and method
US7542922 *14 Mar 20012 Jun 2009Bennett James DOnline purchasing system supporting sellers with affordability screening
US75488843 Nov 200416 Jun 2009Neil ThomasComputerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes
US7555459 *30 Jun 2009International Projects Consultancy Services, Inc.Automated loan processing system and method
US757440018 May 200011 Aug 2009Jpmorgan Chase Bank, N.A.Financing information processing system and method
US757759824 Apr 200218 Aug 2009United Parcel Service Of America, Inc.Account opening facilitation system, method and computer program product
US758089010 Jul 200125 Aug 2009Jpmorgan Chase Bank, N.A.System and method for supervising account management operations
US759388930 Dec 200222 Sep 2009Fannie MaeSystem and method for processing data pertaining to financial assets
US75938924 Oct 200522 Sep 2009Standard Chartered (Ct) PlcFinancial institution portal system and method
US759389330 Dec 200522 Sep 2009Fannie MaeComputerized systems and methods for facilitating the flow of capital through the housing finance industry
US7599879 *21 Mar 20016 Oct 2009Jpmorgan Chase Bank, National AssociationSyndication loan administration and processing system
US760675620 Oct 2009Jpmorgan Chase Bank, N.A.Synthetic funds having structured notes
US761022727 Oct 2009Sureprep, LlcSystem and method for creating cross-reference links, tables and lead sheets for tax return documents
US761023127 Oct 2009Jpmorgan Chase Bank, N.A.Synthetic funds having structured notes
US762406818 Aug 200424 Nov 2009Jpmorgan Chase Bank, N.A.Method and system for dynamically adjusting discount rates for a card transaction
US763688624 Apr 200322 Dec 2009Sureprep LlcSystem and method for grouping and organizing pages of an electronic document into pre-defined categories
US764111315 Oct 20045 Jan 2010Nexxo Financial, Inc.Systems and methods for generating revenue from banking transactions using a stored-value card
US765359230 Dec 200526 Jan 2010Fannie MaeSystem and method for processing a loan
US76574752 Feb 2010Fannie MaeProperty investment rating system and method
US76607639 Feb 2010Jpmorgan Chase Bank, N.A.Customer activated multi-value (CAM) card
US766076424 Aug 20069 Feb 2010Jpmorgan Chase Bank, NaService charge adjustment platform
US76607656 Jun 20089 Feb 2010Jpmorgan Chase Bank, N.A.System and method for processing microtransactions
US766836323 Feb 2010Jpmorgan Chase Bank, N.A.Lockbox imaging system
US766877723 Jul 200423 Feb 2010Jp Morgan Chase BankSystem and method for providing instant-decision, financial network-based payment cards
US767640920 Jun 20059 Mar 2010Jpmorgan Chase Bank, N.A.Method and system for emulating a private label over an open network
US76764259 Mar 2010Jpmorgan Chase Bank, N.A.Method and system for providing flexible financing
US767642928 Mar 20069 Mar 2010Jpmorgan Chase Bank, N.A.Credit instrument and system providing multiple services including access to credit services and access to a service provider club
US768073531 Oct 200716 Mar 2010Jpmorgan Chase Bank, N.A.Trade receivable processing method and apparatus
US768506423 Mar 2010Jp Morgan Chase BankMethod and apparatus for evaluating a financial transaction
US768948230 Mar 2010Jp Morgan Chase Bank, N.A.System and method for payer (buyer) defined electronic invoice exchange
US768950430 Mar 2010Jpmorgan Chase Bank, N.A.System and method for establishing or modifying an account with user selectable terms
US769922031 Oct 200720 Apr 2010Transaction Holdings Ltd., LlcAutomated transaction machine
US770257729 Oct 200420 Apr 2010Jp Morgan Chase Bank, N.A.System and method for conversion of initial transaction to final transaction
US770258026 Dec 200220 Apr 2010Fannie MaeSystem and method for mortgage loan pricing, sale and funding
US770708912 Mar 200827 Apr 2010Jpmorgan Chase, N.A.Method and system for automating fraud authorization strategies
US770711113 Aug 200427 Apr 2010Jpmorgan Chase Bank, N.A.Customer activated multi-value (CAM) card
US770719223 May 200627 Apr 2010Jp Morgan Chase Bank, N.A.Confidence index for assets
US771611323 Apr 200411 May 2010Cantor Index, LlcSystem and method for providing an intermediary for a transaction
US7716133 *10 Mar 200011 May 2010Ncr CorporationSelf service terminal
US77206167 May 200318 May 2010Sureprep, LlcMulti-stage, multi-user engagement submission and tracking process
US77345229 Jan 20088 Jun 2010Fair Isaac CorporationASP business decision engine
US773454529 Sep 20068 Jun 2010Jpmorgan Chase Bank, N.A.Method and system for processing recurring payments
US773512515 Oct 20048 Jun 2010Nexxo Financial, Inc.Systems and methods for identifying and verifying a user of a kiosk using an external verification system
US774298022 Jun 2010Imx, Inc.Automated loan approval system
US774298122 Jun 2010Fannie MaeMortgage loan commitment system and method
US77439792 Jun 200829 Jun 2010Jpmorgan Chase Bank, N.A.Method and system for credit card reimbursements for health care transactions
US774746321 Apr 200829 Jun 2010Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US774751916 Dec 200329 Jun 2010Fannie MaeSystem and method for verifying loan data at delivery
US774752629 Jun 2010Fannie MaeSystem and method for transferring mortgage loan servicing rights
US774755914 Jun 200429 Jun 2010Equifax, Inc.Systems and processes for automated criteria and attribute generation, searching, auditing and reporting of data
US775325914 Aug 200613 Jul 2010Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to both customers and non-customers
US775677813 Jul 2010Fannie MaeSystem and method for tracking and facilitating analysis of variance and recourse transactions
US775678131 Oct 200713 Jul 2010Nextcard, LlcMethod and apparatus for a verifiable on line rejection of an applicant for credit
US775681613 Jul 2010Jpmorgan Chase Bank, N.A.System and method for network-based project management
US775689613 Jul 2010Jp Morgan Chase BankSystem and method for multi-dimensional risk analysis
US776515127 Jul 2010Fannie MaeComputerized systems and methods for facilitating the flow of capital through the housing finance industry
US776622526 Dec 20063 Aug 2010Ready Credit CorporationIssuing a value-bearing card associated with only non-personally identifying information
US77662443 Aug 2010Jpmorgan Chase Bank, N.A.System and method for processing transactions using a multi-account transactions device
US77696463 Aug 2010Sureprep, LlcEfficient work flow system and method for processing taxpayer source documents
US77696503 Aug 2010Jp Morgan Chase BankNetwork-based sub-allocation systems and methods for swaps
US777424810 Aug 2010Jp Morgan Chase BankMethod and apparatus for managing risk
US777891317 Aug 2010E*Trade Financial CorporationOnline trading system having real-time account opening
US778468213 Apr 200631 Aug 2010Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to both customers and non-customers
US77927177 Sep 2010Jpmorgan Chase Bank, N.A.Waterfall prioritized payment processing
US779383014 Sep 2010Transaction Holdings Ltd, LLCAutomated transaction machine
US780179921 Sep 2010Jpmorgan Chase Bank, N.A.Customer activated multi-value (CAM) card
US780180720 May 200321 Sep 2010Dealertrack, Inc.Computer implemented automated credit application analysis and decision routing system
US780180924 Jun 200521 Sep 2010Fannie MaeSystem and method for management of delegated real estate project reviews
US78018148 Sep 200621 Sep 2010Jpmorgan Chase Bank, N.A.System and method for selectable funding of electronic transactions
US78018167 Jan 200321 Sep 2010Jp Morgan Chase Bank, N.A.System and method for currency selectable stored value instrument
US780271831 Oct 200728 Sep 2010Transaction Holdings Ltd, L.L.C.Automated transaction machine
US780533828 Sep 2010Usa Technologies, Inc.Method of constructing a digital content play list for transmission and presentation on a public access electronic terminal
US78053656 Mar 200028 Sep 2010Jpmorgan Chase Bank, N.A.Automated statement presentation, adjustment and payment system and method therefor
US7805368 *28 Sep 2010Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US780959517 Sep 20035 Oct 2010Jpmorgan Chase Bank, NaSystem and method for managing risks associated with outside service providers
US78096171 Aug 20035 Oct 2010Checkfree CorporationPayment processing with selection of a risk reduction technique
US780963316 Dec 20035 Oct 2010Fannie MaeSystem and method for pricing loans in the secondary mortgage market
US780963612 Nov 19995 Oct 2010Jpmorgan Chase Bank, N.A.System and method for multicurrency and multibank processing over a non-secure network
US780964115 Jul 20025 Oct 2010Jpmorgan Chase Bank, National AssociationSystem and method for funding a collective account
US7809642 *17 Feb 20065 Oct 2010Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US780964331 Oct 20075 Oct 2010Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US78139901 Feb 201012 Oct 2010Fannie MaeProperty investment rating system and method
US781400228 Aug 200312 Oct 2010Dealertrack, Inc.Computer implemented automated credit application analysis and decision routing system
US78140036 Feb 200412 Oct 2010Jp Morgan ChaseBilling workflow system for crediting charges to entities creating derivatives exposure
US7814016 *12 Oct 2010Ugenius Ip Holdings, LlcPersonal teller system and method of remote interactive and personalized banking
US7818253 *20 Jul 200719 Oct 2010Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US782265626 Oct 2010Jpmorgan Chase Bank, N.A.International banking system and method
US782268026 Oct 2010Fannie MaeSystem and method for managing data pertaining to a plurality of financial assets for multifamily and housing developments
US782268226 Oct 2010Jpmorgan Chase Bank, N.A.System and method for enhancing supply chain transactions
US782268426 Oct 2010Jpmorgan Chase Bank, N.A.Personalized bank teller machine
US783146717 Oct 20009 Nov 2010Jpmorgan Chase Bank, N.A.Method and system for retaining customer loyalty
US783150823 Jun 20009 Nov 2010Jpmorgan Chase Bank, N.A.System and method for implementing a consolidated application process
US78315099 Nov 2010Jpmorgan Chase Bank, N.A.On-line higher education financing system
US783597416 Nov 2010Cantor Index, LLC.System and method for managing risk associated with product transactions
US783710123 Nov 2010Transaction Holdings Ltd, L.L.C.Automated transaction machine
US784451830 Nov 2010Jp Morgan Chase BankMethod and apparatus for managing credit limits
US784900327 Apr 20077 Dec 2010Efunds CorporationMethods and systems for opening and funding a financial account online
US785349414 Dec 2010Sureprep, LlcEfficient work flow system and method for preparing tax returns
US786078724 Jan 200828 Dec 2010Fannie MaeSystem and method for modifying attribute data pertaining to financial assets in a data processing system
US786078924 Jul 200228 Dec 2010Jpmorgan Chase Bank, N.A.Multiple account advanced payment card and method of routing card transactions
US78773207 Jul 201025 Jan 2011Fannie MaeSystem and method for tracking and facilitating analysis of variance and recourse transactions
US78858898 Feb 2011Fannie MaeSystem and method for processing data pertaining to financial assets
US78858908 Feb 2011Hsbc Finance CorporationSystem for authorizing credit use
US789034315 Feb 2011Jp Morgan Chase BankSystem and method for generating risk management curves
US78903937 Feb 200215 Feb 2011Ebay, Inc.Method and system for completing a transaction between a customer and a merchant
US789042215 Feb 2011Jpmorgan Chase Bank, N.A.Multiple account advanced payment card and method of routing card transactions
US789509822 Feb 2011Jpmorgan Chase Bank, N.A.System and method for measuring and utilizing pooling analytics
US7899732 *15 Oct 20021 Mar 2011First Data CorporationRules management systems and methods
US78997531 Mar 2011Jpmorgan Chase Bank, N.ASystems and methods for time variable financial authentication
US790438812 May 20108 Mar 2011Jpmorgan Chase Bank, N.A.Method and system for processing recurring payments
US791692529 Mar 2011Jpmorgan Chase Bank, N.A.System and method for generating magnetic ink character recognition (MICR) testing documents
US7925577 *23 Apr 200412 Apr 2011Cantor Index LlcSystem and method for establishing and providing access to various types of online accounts
US792557812 Apr 2011Jpmorgan Chase Bank, N.A.Systems and methods for performing scoring optimization
US792557912 Apr 2011Fannie MaeSystem and method for processing a loan
US792558312 Apr 2011Jpmorgan Chase Bank, N.A.Method and system for dynamically adjusting discount rates for a card transaction
US792671119 Apr 2011Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to both customers and non-customers
US793383331 Aug 200626 Apr 2011Compucredit Intellectual Property Holdings Corp. IiMethod and system for rapid loan approval
US793383517 Jan 200726 Apr 2011The Western Union CompanySecure money transfer systems and methods using biometric keys associated therewith
US794135510 May 2011Jpmorgan Chase Bank, N.A.Universal payment protection
US794549231 Jan 200017 May 2011Jpmorgan Chase Bank, N.A.System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US794957424 May 2011Jpmorgan Chase Bank, NaPersonalized interactive network architecture
US794959424 May 2011First Data CorporationSystems and methods for participant controlled communications regarding financial accounts
US79536634 Sep 200331 May 2011Jpmorgan Chase Bank, N.A.System and method for financial instrument pre-qualification and offering
US796239114 Nov 200814 Jun 2011Jpmorgan Chase Bank, N.A.System and method for determining elegibility and enrolling members in various programs
US796239614 Jun 2011Jpmorgan Chase Bank, N.A.System and method for managing risk
US796240514 Jun 2011First Data CorporationMerchant activation tracking systems and methods
US796649621 Jun 2011Jpmorgan Chase Bank, N.A.System and method for single sign on process for websites with multiple applications and services
US797069028 Jun 2011Leadpoint, Inc.System for implementing automated open market auctioning of leads
US797069827 Aug 200428 Jun 2011Equifax, Inc.Application processing and decision systems and processes
US79748955 Jul 2011Jp Morgan Chase BankSystem and method for developing finance rate information
US79793461 Oct 201012 Jul 2011Fannie MaeSystem and method for pricing loans in the secondary mortgage market
US798346819 Jul 2011Jp Morgan Chase BankMethod and system for extracting information from documents by document segregation
US798750126 Jul 2011Jpmorgan Chase Bank, N.A.System and method for single session sign-on
US79885532 Aug 2011IgtMethod and apparatus for enrolling gaming device players into a player-tracking system
US79916962 Aug 2011Capital Security Systems, Inc.Automated document cashing machine and method
US79962979 Aug 2011Cantor Index, LlcSystem and method for providing access to and managing account activity for an online account
US800103923 Apr 200416 Aug 2011Cantor Index, LlcSystem and method for establishing and providing access to an online account
US800104025 Jan 200516 Aug 2011Ebay Inc.Computer-implemented method and system for dynamic consumer rating in a transaction
US800104316 Aug 2011Walker Digital, LlcMethod, apparatus, and program for customizing credit accounts
US800575623 Aug 2011Jpmorgan Chase Bank, N.A.Debit purchasing of stored value card for use by and/or delivery to others
US801041230 Aug 2011Thomson FincancialElectronic commerce infrastructure system
US801042213 Nov 200130 Aug 2011Nextcard, LlcOn-line balance transfers
US8010424 *30 Aug 2011Checkfree CorporationPayment processing with payee risk management
US80150846 Sep 20006 Sep 2011Jpmorgan Chase Bank, N.A.System and method for linked account having sweep feature
US80150856 Sep 2011First Data CorporationSystem for distributing funds
US80150966 Sep 2011Jp Morgan Chase BankNetwork-based sub-allocation systems and methods for swaps
US802075426 Jul 200720 Sep 2011Jpmorgan Chase Bank, N.A.System and method for funding a collective account by use of an electronic tag
US802426528 Jun 201020 Sep 2011Fannie MaeSystem and method for verifying loan data at delivery
US80279145 Jan 201027 Sep 2011Jp Morgan Chase BankSystem and method for providing instant-decision, financial network-based payment cards
US803243820 Apr 20104 Oct 2011Jpmorgan Chase Bank, N.A.Method and system for automating fraud authorization strategies
US80324504 Oct 2011Fannie MaeLoan commitment system and method
US803345130 Oct 200711 Oct 2011Jpmorgan Chase Bank, National AssociationSystem and method for funding a collective account by use of an electronic tag
US8036941 *14 Mar 200111 Oct 2011Bennett James DOnline purchasing system supporting lenders with affordability screening
US804578428 Jan 201025 Oct 2011Jpmorgan Chase Bank, N.A.Lockbox imaging system
US804629815 Dec 200325 Oct 2011Fannie MaeSystems and methods for facilitating the flow of capital through the housing finance industry
US806043715 Nov 2011International Funding Partners LlcAutomatic termination of electronic transactions
US806043815 Nov 2011International Projects Consultancy Services, Inc.Automated loan processing system and method
US806044023 Dec 201015 Nov 2011Fannie MaeSystem and method for modifying attribute data pertaining to financial assets in a data processing system
US806521124 Nov 200822 Nov 2011Fannie MaeSystem and method for creating and tracking agreements for selling loans to a secondary market purchaser
US806523116 Oct 200922 Nov 2011Jpmorgan Chase Bank, N.A.Trade receivable processing method and apparatus
US80737366 Dec 2011First Data CorporationSystems and methods for redeeming rewards associated with accounts
US808653927 Dec 2011The Western Union CompanyValue processing network and methods
US809064320 Aug 20073 Jan 2012Ebs Group LimitedCompound order handling in an anonymous trading system
US809544510 Jan 2012Ebay, Inc.Method and system for completing a transaction between a customer and a merchant
US809545910 Jan 2012Jpmorgan Chase Bank, N.A.Method and system for providing flexible financing
US810830131 Jan 2012Equifax, Inc.Application processing and decision systems and processes
US81123555 Sep 20087 Feb 2012Jpmorgan Chase Bank, N.A.Method and system for buyer centric dispute resolution in electronic payment system
US811821630 Oct 200721 Feb 2012Jp Morgan Chase BankMethod and system for discovering significant subsets in collection of documents
US812138525 Feb 201121 Feb 2012Jpmorgan Chase Bank, N.A.System and method for generating magnetic ink character recognition (MICR) testing documents
US812194426 May 200521 Feb 2012Jpmorgan Chase Bank, N.A.Method and system for facilitating network transaction processing
US812194831 Dec 200921 Feb 2012Capital Security Systems, Inc.Automated document cashing system
US813271431 Oct 200713 Mar 2012Transaction Holdings Ltd, L.L.C.Automated transaction machine
US813271531 Oct 200713 Mar 2012Transaction Holdings Ltd, L.L.C.Automated transaction machine
US816094220 Jul 201017 Apr 2012Jp Morgan Chase BankBilling workflow system for crediting charges to entities creating derivatives exposure
US816095317 Apr 2012Cantor Index, LlcSystem and method for managing risk associated with product transactions
US816095727 Apr 200717 Apr 2012Efunds CorporationMethods and systems for opening and funding a financial account online
US816096011 Dec 200917 Apr 2012Jpmorgan Chase Bank, N.A.System and method for rapid updating of credit information
US817093618 Feb 20101 May 2012Jpmorgan Chase Bank, N.A.Method and system for emulating a private label over an open network
US81709523 Aug 20111 May 2012Jp Morgan Chase BankSystem and method for providing instant-decision, financial network-based payment cards
US81759088 May 2012Jpmorgan Chase Bank, N.A.Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data
US818594017 Jul 200722 May 2012Jpmorgan Chase Bank, N.A.System and method for providing discriminated content to network users
US820057412 Jun 2012Jpmorgan Chase Bank, N.A.Financing information processing system and method
US820480719 Jun 2012Settleware Secure Services, Inc.Systems, apparatus, and method re escrow data and documentation
US820482919 Jun 2012Nexxo Financial CorporationSystems and methods for money sharing
US822472331 May 200217 Jul 2012Jpmorgan Chase Bank, N.A.Account opening system, method and computer program product
US82391707 Aug 2012Smartsignal CorporationComplex signal decomposition and modeling
US823930426 Feb 20037 Aug 2012Jpmorgan Chase Bank, N.A.Method and system for providing pre-approved targeted products
US82393237 Aug 2012Jpmorgan Chase Bank, N.A.Method and system for distribution of unactivated bank account cards
US82396777 Aug 2012Equifax Inc.Verification and authentication systems and methods
US824462516 Jun 201114 Aug 2012Jpmorgan Chase Bank, N.A.System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US824462814 Aug 2012Fannie MaeComputerized systems and methods for facilitating the flow of capital through the housing finance industry
US824590921 Aug 2012Jpmorgan Chase Bank, NaMethod and system for implementing a card product with multiple customized relationships
US825530728 Aug 2012Jpmorgan Chase Bank, N.A.System and method for measuring and utilizing pooling analytics
US826605419 Jan 201211 Sep 2012Jpmorgan Chase Bank, N.A.System and method for implementing a consolidated application process
US827557725 Sep 2012Smartsignal CorporationKernel-based method for detecting boiler tube leaks
US828562518 Aug 20119 Oct 2012Jpmorgan Chase Bank, N.A.Synthetic funds having structured notes
US82856416 Nov 20019 Oct 2012Jpmorgan Chase Bank, N.A.System and method for selectable funding of electronic transactions
US829086216 Oct 2012Jpmorgan Chase Bank, N.A.Method and system for expediting payment delivery
US829086316 Oct 2012Jpmorgan Chase Bank, N.A.Method and system for expediting payment delivery
US829616023 Oct 2012Jpmorgan Chase Bank, N.A.System and method for integrated customer management
US83014935 Nov 200230 Oct 2012Jpmorgan Chase Bank, N.A.System and method for providing incentives to consumers to share information
US830152923 Oct 200630 Oct 2012Jpmorgan Chase Bank, N.A.Method and system for implementing effective governance of transactions between trading partners
US830690730 May 20036 Nov 2012Jpmorgan Chase Bank N.A.System and method for offering risk-based interest rates in a credit instrument
US831177414 Dec 200713 Nov 2012Smartsignal CorporationRobust distance measures for on-line monitoring
US832131127 Jul 200927 Nov 2012Sureprep, LlcMulti-stage, multi-user engagement submission and tracking process
US83266944 Dec 2012Jpmorgan Chase Bank, N.A.Personalized interactive network architecture
US832674816 Jun 20104 Dec 2012Imx, Inc.Automated loan approval system
US833231911 Dec 2012Ugenius Technology, LlcPersonal teller system for remote interactive and personalized banking
US835237016 May 20118 Jan 2013Jpmorgan Chase Bank, N.A.System and method for universal instant credit
US835925122 Jan 2013Thomson Financial LlcDistributed commerce system
US83702535 Feb 2013David Daniel GrossmanMethod and apparatus for credit brokering for point-of-sale leasing
US838059719 Feb 2013Jpmorgan Chase Bank, N.A.International banking system and method
US838638116 Dec 200926 Feb 2013Jpmorgan Chase Bank, N.A.Method and system for detecting, monitoring and addressing data compromises
US83915845 Mar 2013Jpmorgan Chase Bank, N.A.Method and system for duplicate check detection
US839679820 Jan 201212 Mar 2013Jpmorgan Chase Bank, N.A.Method and system for facilitating network transaction processing
US840321726 Mar 2013Enpulz, L.L.C.Advertising infrastructure supporting cross selling opportunity management
US840725126 Mar 2013Enpulz, L.L.C.Promotion infrastructure having dispensing controls
US840725226 Mar 2013Enpulz, L.L.C.Promotion infrastructure having third party posting service
US840733418 Apr 201226 Mar 2013Enpulz, L.L.C.Promotion infrastructure having dual input and dual output interface
US84084552 Apr 2013Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to both customers and non-customers
US84176019 Apr 2013Jpmorgan Chase Bank, N.A.Variable rate payment card
US84176269 Apr 2013Cantor Index, LlcSystem and method for sports betting
US842345017 Dec 200316 Apr 2013Fannie MaeSystem and method for processing data pertaining to financial assets
US842345130 Dec 200516 Apr 2013Fannie MaiSystem and method for processing a loan
US842875223 Apr 2013Enpulz, L.L.C.Network infrastructure supporting a multi-seller promotion and transaction environment
US842900618 Jun 200423 Apr 2013Jpmorgan Chase Bank, N.A.System and method for offer targeting
US842906923 Apr 2013Jpmorgan Chase Bank, N.A.System and method for processing microtransactions
US842907227 Sep 201123 Apr 2013Jpmorgan Chase Bank, N.A.System and method for processing microtransactions
US843364826 Feb 200730 Apr 2013Bill Me Later, Inc.Method and system for engaging in a transaction between a consumer and a merchant
US843365030 Apr 2013Neil ThomasComputerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes
US843810828 Jun 20107 May 2013Fannie MaeSystem and method for transferring mortgage loan servicing rights
US844290614 May 2013Neil ThomasComputerized process to, for example, automate the home sale, mortgage loan financing and settlement process, and the home mortgage loan refinancing and settlement processes
US844764121 May 2013Jpmorgan Chase Bank, N.A.System and method for automatically enrolling buyers into a network
US845270411 Jul 200128 May 2013Citicorp Credit Services, Inc.Method and system for on-line payments
US845956211 Jun 2013Jpmorgan Chase Bank, N.A.System and method for processing transactions using a multi-account transactions device
US846340911 Jun 2013Enpulz, L.L.C.Promotion data and codes supporting redemption processing
US846364311 Jun 2013Enpulz, L.L.C.Multi-search infrastructure supporting advertising and internet search term reuse
US846368111 Jun 2013Jpmorgan Chase Bank, N.A.Method and system for distribution of unactivated bank account cards
US846385118 Apr 201211 Jun 2013Enpulz, LlcPromotion infrastructure supporting selected and emailed promotion delivery
US846494216 Feb 201218 Jun 2013Enpulz, L.L.C.Sales promotion system supporting a plurality of differing sellers
US846494318 Jun 2013Enpulz, L.L.C.Competitive advertising and sales infrastructure
US846805318 Jun 2013Enpulz, L.L.C.Seller selection of content for promotion creation
US846805514 Jun 201218 Jun 2013Enpulz, L.L.C.Advertising system supporting multi-advertiser system communications
US846807118 Jun 2013Jpmorgan Chase Bank, N.A.Processing transactions using a register portion to track transactions
US846926521 Jun 201225 Jun 2013Jpmorgan Chase Bank, N.A.Method and system for implementing a card product with multiple customized relationships
US847358121 Aug 201225 Jun 2013Enpulz, L.L.C.Promotion system supporting web content and promotion searching
US84786378 Apr 20082 Jul 2013Jpmorgan Chase Bank, N.A.Index for assessing discount potential
US847998719 Jun 20129 Jul 2013Enpulz, L.L.C.Multi-seller sales system supporting multiple sales portals and promotion systems
US848409315 Jun 20129 Jul 2013Enpulz, L.L.C.Advertising system supporting multi-advertiser system interface structures
US84841296 Jul 20129 Jul 2013Jpmorgan Chase Bank, N.A.System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US8489497 *27 Jan 200616 Jul 2013Jpmorgan Chase Bank, N.A.Online interactive and partner-enhanced credit card
US848949830 Dec 200516 Jul 2013Fannie MaeSystem and method for processing a loan
US849520922 May 201223 Jul 2013James D. BennettPersistence mechanism for facilitating online transactions
US84989248 Aug 201130 Jul 2013Cantor Index LlcManaging risk associated with betting transactions
US850442418 Jun 20126 Aug 2013Enpulz, L.L.C.Advertising system supporting multi-advertiser system remote advertisement posting
US850443816 Jul 20126 Aug 2013James D. BennettOnline purchasing system supporting lenders with affordability screening
US850447328 Mar 20076 Aug 2013The Western Union CompanyMoney transfer system and messaging system
US850581216 Feb 201213 Aug 2013Enpulz, L.L.C.Email promotion portal supporting buyer anonymity
US851586122 Sep 200620 Aug 2013Fannie MaeSystem and method for facilitating sale of a loan to a secondary market purchaser
US851725818 Jan 201127 Aug 2013Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to both customers and non-customers
US852740229 Feb 20083 Sep 2013Isourceloans LlcMortgage loan data processing system and method for a loan broker
US853303030 Aug 200410 Sep 2013Jpmorgan Chase Bank, N.A.In-bound telemarketing system for processing customer offers
US853303117 Sep 201010 Sep 2013Jpmorgan Chase Bank, N.A.Method and system for retaining customer loyalty
US85330473 Jan 201310 Sep 2013Robert S. AlvinInternet business transaction processor
US853308611 Mar 201310 Sep 2013Jpmorgan Chase Bank, N.A.Variable rate payment card
US853311123 Jun 200810 Sep 2013Jpmorgan Chase Bank, N.A.System and method for providing promotional pricing
US853455221 Aug 201217 Sep 2013Enpulz, L.L.C.Sales promotion system with secondary sales server system
US8538857 *9 Jul 201017 Sep 2013E*Trade Financial CorporationOnline trading system having real-time account opening
US854350330 Mar 201124 Sep 2013Jpmorgan Chase Bank, N.A.Systems and methods for automated invoice entry
US854350430 Mar 201124 Sep 2013Jpmorgan Chase Bank, N.A.Systems and methods for automated invoice entry
US854350731 Oct 200724 Sep 2013Transactions Holdings Ltd., LLCAutomated transaction machine
US855463113 Dec 20108 Oct 2013Jpmorgan Chase Bank, N.A.Method and system for determining point of sale authorization
US85546699 Jan 20078 Oct 2013Bill Me Later, Inc.Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale
US85546731 Dec 20048 Oct 2013Jpmorgan Chase Bank, N.A.Methods and systems for discounts management
US855467731 Oct 20078 Oct 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US856045131 Oct 200715 Oct 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US856622117 May 201122 Oct 2013Ebs Group LimitedCompound order handling in an anonymous trading system
US857195125 Apr 200629 Oct 2013Leadpoint, Inc.Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US857195231 Oct 200729 Oct 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US857197223 Feb 200429 Oct 2013Bill Me Later, Inc.Computer-implemented method, system and apparatus for the dynamic verification of a consumer engaged in a transaction with a merchant and authorization of the transaction
US857238816 Jan 200729 Oct 2013Elynx, Ltd.Electronic document management system
US857347721 Aug 20125 Nov 2013Enpulz, L.L.C.Promotion system supporting emailed promotions with transaction accounting
US857349121 Aug 20125 Nov 2013Enpulz, L.L.C.Sales promotion system supporting coupon link in multi-seller environment
US857777023 Jul 20125 Nov 2013Jpmorgan Chase, N.A.System and method for measuring and utilizing pooling analytics
US858352231 Oct 200712 Nov 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US858361214 Jun 201212 Nov 2013Enpulz, L.L.C.Whois server verifying whois records and search engine accesses
US85892881 Oct 201019 Nov 2013Jpmorgan Chase Bank, N.A.System and method for electronic remittance of funds
US859000830 Oct 200819 Nov 2013Jpmorgan Chase Bank, N.A.System and method for single sign on process for websites with multiple applications and services
US86008523 Dec 20073 Dec 2013Thomson Financial LlcElectronic sales system
US860088731 Oct 20073 Dec 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US860088831 Oct 20073 Dec 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US860088931 Oct 20073 Dec 2013Transaction Holdings Ltd. LlcAutomated transaction machine
US860089031 Oct 20073 Dec 2013Transaction Holdings Ltd., LlcAutomated transaction machine
US86066311 May 200710 Dec 2013First Data CorporationChasing rewards associated with accounts
US86066702 Jan 200710 Dec 2013First Data CorporationIntegrated communication solution
US8612341 *16 Jan 200417 Dec 2013Jpmorgan Chase Bank, N.A.Computerized funding of a second financial account by a first financial card
US862085319 Jul 201131 Dec 2013Smartsignal CorporationMonitoring method using kernel regression modeling with pattern sequences
US86223087 Jan 20097 Jan 2014Jpmorgan Chase Bank, N.A.System and method for processing transactions using a multi-account transactions device
US862664222 Aug 20037 Jan 2014Compucredit Intellectual Property Holdings Corp. IiiSystem and method for dynamically managing a financial account
US863089822 Feb 200514 Jan 2014Jpmorgan Chase Bank, N.A.Stored value card provided with merchandise as rebate
US86309471 Apr 200414 Jan 2014Jpmorgan Chase Bank, N.A.Method and system for providing electronic bill payment and presentment
US863901714 Sep 201228 Jan 2014Jpmorgan Chase Bank, N.A.Method and system for duplicate check detection
US8645265 *22 Jan 20104 Feb 2014Jpmorgan Chase Bank, N.A.System and method for card processing with automated payment of club, merchant, and service provider fees
US865576816 Apr 201218 Feb 2014Cantor Index, LlcSystem and method for managing risk associated with product transactions
US866084921 Dec 201225 Feb 2014Apple Inc.Prioritizing selection criteria by automated assistant
US866098019 Jul 201125 Feb 2014Smartsignal CorporationMonitoring system using kernel regression modeling with pattern sequences
US866687930 Dec 20034 Mar 2014Fannie MaeMethod and system for pricing forward commitments for mortgage loans and for buying committed loans
US866696524 Oct 20124 Mar 2014Enpulz, L.L.C.Web search with visited web page search result restrictions
US867097921 Dec 201211 Mar 2014Apple Inc.Active input elicitation by intelligent automated assistant
US867098513 Sep 201211 Mar 2014Apple Inc.Devices and methods for identifying a prompt corresponding to a voice input in a sequence of prompts
US867105214 Sep 201211 Mar 2014Fannie MaeMethod and system for pricing forward commitments for mortgage loans and for buying committed loans
US86766426 Mar 200818 Mar 2014Jpmorgan Chase Bank, N.A.System and method for granting promotional rewards to financial account holders
US86769042 Oct 200818 Mar 2014Apple Inc.Electronic devices with voice command and contextual data processing capabilities
US86773778 Sep 200618 Mar 2014Apple Inc.Method and apparatus for building an intelligent automated assistant
US868264912 Nov 200925 Mar 2014Apple Inc.Sentiment prediction from textual data
US868266725 Feb 201025 Mar 2014Apple Inc.User profiling for selecting user specific voice input processing information
US86842662 Apr 20121 Apr 2014Enpulz, L.L.C.Forecast and demand based price calculation
US868844618 Nov 20111 Apr 2014Apple Inc.Providing text input using speech data and non-speech data
US870050622 Jan 201315 Apr 2014Thomson Financial LlcDistributed commerce system
US87005292 Aug 200615 Apr 2014Jpmorgan Chase Bank, N.A.Mutual fund card method and system
US87005976 Aug 200815 Apr 2014Equifax, Inc.Systems and methods for managing statistical expressions
US870647211 Aug 201122 Apr 2014Apple Inc.Method for disambiguating multiple readings in language conversion
US870650321 Dec 201222 Apr 2014Apple Inc.Intent deduction based on previous user interactions with voice assistant
US870654916 Feb 201222 Apr 2014Enpulz, LlcSystem supporting seller's promotion creation
US870655316 Feb 201222 Apr 2014Enpulz, L.L.C.Geographical and dispensing limits for E-promotions
US870741017 Jun 201122 Apr 2014Jpmorgan Chase Bank, N.A.System and method for single session sign-on
US871277629 Sep 200829 Apr 2014Apple Inc.Systems and methods for selective text to speech synthesis
US871284611 Mar 201329 Apr 2014Divan Industries, LlcSending targeted product offerings based on personal information
US87130217 Jul 201029 Apr 2014Apple Inc.Unsupervised document clustering using latent semantic density analysis
US871311913 Sep 201229 Apr 2014Apple Inc.Electronic devices with voice command and contextual data processing capabilities
US871804728 Dec 20126 May 2014Apple Inc.Text to speech conversion of text messages from mobile communication devices
US871900627 Aug 20106 May 2014Apple Inc.Combined statistical and rule-based part-of-speech tagging for text-to-speech synthesis
US871901427 Sep 20106 May 2014Apple Inc.Electronic device with text error correction based on voice recognition data
US871907829 May 20136 May 2014Jpmorgan Chase Bank, N.A.Index for assessing discount potential
US87190859 Jan 20066 May 2014Jpmorgan Chase Bank, N.A.System and method for administering a brokerage rebate card program
US871916419 Jun 20086 May 2014Bill Me Later, Inc.Method and system for engaging in a transaction between a business entity and a merchant
US87319424 Mar 201320 May 2014Apple Inc.Maintaining context information between user interactions with a voice assistant
US873873224 Feb 200627 May 2014Liveperson, Inc.System and method for performing follow up based on user interactions
US875123815 Feb 201310 Jun 2014Apple Inc.Systems and methods for determining the language to use for speech generated by a text to speech engine
US875125014 Jun 200510 Jun 2014First Data CorporationHealth care eligibility verification and settlement systems and methods
US875139131 Mar 200310 Jun 2014Jpmorgan Chase Bank, N.A.System and process for performing purchase transactions using tokens
US875275924 Jun 201317 Jun 2014Jpmorgan Chase Bank, N.A.Method and system for implementing a card product with multiple customized relationships
US875609911 Apr 200517 Jun 2014Bill Me Later, Inc.Consumer processing system and method
US876215628 Sep 201124 Jun 2014Apple Inc.Speech recognition repair using contextual information
US876226014 Aug 201224 Jun 2014Jpmorgan Chase Bank, N.A.Systems and methods for performing scoring optimization
US876226719 Jun 201324 Jun 2014The Western Union CompanyMoney transfer system and messaging system
US876227010 Jun 200824 Jun 2014Jpmorgan Chase Bank, N.A.System and method for providing supplemental payment or transaction information
US876231310 Jun 201124 Jun 2014Liveperson, Inc.Method and system for creating a predictive model for targeting web-page to a surfer
US87624695 Sep 201224 Jun 2014Apple Inc.Electronic devices with voice command and contextual data processing capabilities
US87687025 Sep 20081 Jul 2014Apple Inc.Multi-tiered voice feedback in an electronic device
US87688367 Aug 20071 Jul 2014Jpmorgan Chase Bank, N.A.System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image
US877525526 May 20138 Jul 2014Divan Industries, LlcInternet business transaction processor
US877540823 Sep 20118 Jul 2014Sureprep, LlcDocument element indexing system
US877544215 May 20128 Jul 2014Apple Inc.Semantic search using a single-source semantic model
US878183622 Feb 201115 Jul 2014Apple Inc.Hearing assistance system for providing consistent human speech
US878190519 May 200615 Jul 2014Jpmorgan Chase Bank, N.A.System and method for transponder-enabled account transactions
US878207229 Oct 201215 Jul 2014Enpulz, L.L.C.Search engine supporting mixed image and text search input
US878207619 Oct 201015 Jul 2014Jpmorgan Chase Bank, N.A.System and method for gathering and standardizing customer purchase information for target marketing
US87882816 May 200822 Jul 2014Jp Morgan Chase Bank, N.A.System and method for processing qualified healthcare account related financial transactions
US879316015 Sep 200329 Jul 2014Steve SoremSystem and method for processing transactions
US879318723 Jan 200729 Jul 2014Nexxo Financial CorporationSelf-service money remittance with an access card
US879377729 Jun 201229 Jul 2014Equifax, Inc.Verification and authentication systems and methods
US879900021 Dec 20125 Aug 2014Apple Inc.Disambiguation based on active input elicitation by intelligent automated assistant
US879912123 Apr 20045 Aug 2014Cantor Index, LlcSystem and method for managing trading order requests
US879920016 Jul 20095 Aug 2014Liveperson, Inc.Method and system for creating a predictive model for targeting webpage to a surfer
US880085726 Sep 200712 Aug 2014Jpmorgan Chase Bank, N.A.System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US880573428 Oct 201312 Aug 2014Leadpoint, Inc.Automated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US880573923 Mar 200112 Aug 2014Jpmorgan Chase Bank, National AssociationSystem and method for electronic bill pay and presentment
US880584417 Mar 201012 Aug 2014Liveperson, Inc.Expert search
US88059416 Mar 201212 Aug 2014Liveperson, Inc.Occasionally-connected computing interface
US881229421 Jun 201119 Aug 2014Apple Inc.Translating phrases from one language into another using an order-based set of declarative rules
US881885221 Aug 201226 Aug 2014Enpulz, L.L.C.Promotion system supporting emailed promotions and at seller premises transaction completion
US881885321 Aug 201226 Aug 2014Enpulz, LlcPromotion system supporting emailed promotions and at seller premises transaction completion
US881885421 Aug 201226 Aug 2014Enpulz, L.L.C.Sales promotion system supporting a plurality of sellers
US881886321 Aug 201226 Aug 2014Enpulz, L.L.C.Advertising system supporting dual input interfaces
US881890417 Jan 200726 Aug 2014The Western Union CompanyGeneration systems and methods for transaction identifiers having biometric keys associated therewith
US884971614 Sep 200730 Sep 2014Jpmorgan Chase Bank, N.A.System and method for preventing identity theft or misuse by restricting access
US886225230 Jan 200914 Oct 2014Apple Inc.Audio user interface for displayless electronic device
US88684486 Aug 200121 Oct 2014Liveperson, Inc.Systems and methods to facilitate selling of products and services
US889244621 Dec 201218 Nov 2014Apple Inc.Service orchestration for intelligent automated assistant
US889258829 Oct 201218 Nov 2014Enpulz, L.L.P.Search system employing multiple image based search processing approaches
US889396313 Jul 201025 Nov 2014Ready Credit CorporationIssuing a value-bearing card associated with only non-personally identifying information
US88985689 Sep 200825 Nov 2014Apple Inc.Audio user interface
US88994766 Nov 20122 Dec 2014Capital Security Systems, Inc.Automated document cashing system
US890371621 Dec 20122 Dec 2014Apple Inc.Personalized vocabulary for digital assistant
US891846514 Dec 201023 Dec 2014Liveperson, Inc.Authentication of service requests initiated from a social networking site
US89242479 Mar 200630 Dec 2014LoadPoint, IncRanking system using instant post-transaction surveying of transaction judges
US892428917 Jan 201330 Dec 2014Jpmorgan Chase Bank, N.A.International banking system and method
US892580210 Jan 20146 Jan 2015Jpmorgan Chase Bank, N.A.Method and system for implementing a card product with multiple customized relationships
US89301914 Mar 20136 Jan 2015Apple Inc.Paraphrasing of user requests and results by automated digital assistant
US893516725 Sep 201213 Jan 2015Apple Inc.Exemplar-based latent perceptual modeling for automatic speech recognition
US894298621 Dec 201227 Jan 2015Apple Inc.Determining user intent based on ontologies of domains
US89430026 Mar 201227 Jan 2015Liveperson, Inc.Analytics driven engagement
US895453931 Jul 201210 Feb 2015Liveperson, Inc.Method and system for providing targeted content to a surfer
US89772553 Apr 200710 Mar 2015Apple Inc.Method and system for operating a multi-function portable electronic device using voice-activation
US897758425 Jan 201110 Mar 2015Newvaluexchange Global Ai LlpApparatuses, methods and systems for a digital conversation management platform
US8992305 *11 Sep 200631 Mar 2015Global Cash Access, Inc.Systems for enhancing funding of gaming
US89963765 Apr 200831 Mar 2015Apple Inc.Intelligent text-to-speech conversion
US900918430 Oct 201214 Apr 2015Enpulz, LlcWeb search with multi-language search input translation
US902085022 Oct 201228 Apr 2015Jpmorgan Chase Bank, N.A.Method and system for implementing effective governance of transactions between trading partners
US90530892 Oct 20079 Jun 2015Apple Inc.Part-of-speech tagging using latent analogy
US905351420 Feb 20129 Jun 2015Enpluz, LLCSystem supporting promotion browsing and searching
US905832120 Aug 201216 Jun 2015Enpluz, LLCSupport for international search terms—translate as you crawl
US905862613 Nov 201316 Jun 2015Jpmorgan Chase Bank, N.A.System and method for financial services device usage
US907016620 Feb 201230 Jun 2015Enpluz, LLCCentralized, online multi-seller interface system
US907016720 Feb 201230 Jun 2015Enpluz, LLCCentralized, online multi-seller interface system
US907578322 Jul 20137 Jul 2015Apple Inc.Electronic device with text error correction based on voice recognition data
US908215320 Feb 201214 Jul 2015Enpluz, LLCWeb search and promotion search engine integration
US90924478 Mar 201328 Jul 2015Jpmorgan Chase Bank, N.A.Method and system for duplicate detection
US909887916 Feb 20124 Aug 2015Enpluz, LLCSeller promotion creation and modification
US910497012 May 201411 Aug 2015Liveperson, Inc.Method and system for creating a predictive model for targeting web-page to a surfer
US91112787 Oct 201318 Aug 2015Jpmorgan Chase Bank, N.A.Method and system for determining point of sale authorization
US911744721 Dec 201225 Aug 2015Apple Inc.Using event alert text as input to an automated assistant
US912304429 Jun 20141 Sep 2015The Western Union CompanyGeneration systems and methods for transaction identifiers having biometric keys associated therewith
US917706124 Oct 20123 Nov 2015Enpulz, LlcSearch engine with geographical verification processing
US91900624 Mar 201417 Nov 2015Apple Inc.User profiling for voice input processing
US922386931 Oct 201229 Dec 2015Rpx CorporationBrowser based language recognition supporting central web search translation
US92241702 Apr 201229 Dec 2015Rpx CorporationSales channel management infrastructure
US924008930 Jun 200919 Jan 2016Jpmorgan Chase Bank, N.A.Systems and methods for time variable financial authentication
US924494529 Oct 201226 Jan 2016Rpx CorporationSearch system using source and target image categorization
US925062519 Jul 20112 Feb 2016Ge Intelligent Platforms, Inc.System of sequential kernel regression modeling for forecasting and prognostics
US925622419 Jul 20119 Feb 2016GE Intelligent Platforms, IncMethod of sequential kernel regression modeling for forecasting and prognostics
US926261221 Mar 201116 Feb 2016Apple Inc.Device access using voice authentication
US928061015 Mar 20138 Mar 2016Apple Inc.Crowd sourcing information to fulfill user requests
US930078413 Jun 201429 Mar 2016Apple Inc.System and method for emergency calls initiated by voice command
US931104315 Feb 201312 Apr 2016Apple Inc.Adaptive audio feedback system and method
US931810810 Jan 201119 Apr 2016Apple Inc.Intelligent automated assistant
US93307202 Apr 20083 May 2016Apple Inc.Methods and apparatus for altering audio output signals
US93319692 Jul 20143 May 2016Liveperson, Inc.Occasionally-connected computing interface
US933648724 Jun 201410 May 2016Live Person, Inc.Method and system for creating a predictive model for targeting webpage to a surfer
US933849326 Sep 201410 May 2016Apple Inc.Intelligent automated assistant for TV user interactions
US935059814 Mar 201324 May 2016Liveperson, Inc.Authentication of service requests using a communications initiation feature
US936188617 Oct 20137 Jun 2016Apple Inc.Providing text input using speech data and non-speech data
US93681146 Mar 201414 Jun 2016Apple Inc.Context-sensitive handling of interruptions
US937852531 Jul 200428 Jun 2016Dealertrack, Inc.Integrated electronic credit application, contracting and securitization system and method
US20010029477 *21 May 200111 Oct 2001Chase Manhattan BankMethod for mortgage and closed end loan portfolio management
US20010032178 *18 Jan 200118 Oct 2001Lloyd AdamsNetwork based loan approval and document origination system
US20010037288 *14 Mar 20011 Nov 2001Bennett James D.Online purchasing system supporting lenders with affordability screening
US20010039516 *14 Mar 20018 Nov 2001Bennett James D.Online purchasing system supporting sellers with affordability screening
US20010047307 *14 Mar 200129 Nov 2001Bennett James D.Online purchasing system supporting buyer affordability screening
US20010051960 *28 Mar 200113 Dec 2001Kubick Ronald S.Methods and systems for conducting due diligence
US20010056475 *17 Aug 200127 Dec 2001Anderson William P.System for on-line financial services using distributed objects
US20020023051 *31 Mar 200021 Feb 2002Kunzle Adrian E.System and method for recommending financial products to a customer based on customer needs and preferences
US20020026402 *7 Mar 200128 Feb 2002Eiji OkamuraElectronic commercial transaction system
US20020032642 *24 Jul 200114 Mar 2002Graciela ChichilniskyInternet based secure virtual exchange and distributed relational database for cross border trading of securities
US20020040339 *2 Oct 20014 Apr 2002Dhar Kuldeep K.Automated loan processing system and method
US20020046049 *10 Jul 200118 Apr 2002Siegel Rebecca LynnSystem and method for supervising account management operations
US20020059069 *21 May 200116 May 2002Cheng HsuNatural language interface
US20020082885 *26 Dec 200027 Jun 2002Pittroff Fredrick L.Systems and methods for enterprise based issuance of identification cards
US20020107765 *13 Dec 20008 Aug 2002Timothy WalkerElectronic financing system
US20020107781 *29 Jun 20018 Aug 2002Electronic Broking Services LimitedCompound order handling in an anonymous trading system
US20020111799 *3 Oct 200115 Aug 2002Bernard Alexis P.Algebraic codebook system and method
US20020116327 *4 Dec 200122 Aug 2002Venkatesan SrinivasanSystem and methods for syndication of financial obligations
US20020116328 *31 Jan 200222 Aug 2002Alan BirdAutomotive finance portal
US20020147669 *1 Jun 200110 Oct 2002Taylor James W.System and method for offering a financial product
US20020156704 *26 Mar 200224 Oct 2002Kolls H. BrockMethod of constructing a digital content play list for transmission and presentation on a public access electronic terminal
US20020198806 *13 Jun 200226 Dec 2002First Data CorporationSystems and methods for accessing and modifying usage parameters associated with a financial transaction account
US20030041019 *9 Jan 200227 Feb 2003Vagim James G.Methods and systems for deal structuring for automobile dealers
US20030050795 *12 Sep 200113 Mar 2003Baldwin Byron S.Health care debt financing system and method
US20030061154 *24 Sep 200127 Mar 2003Chacko Bobby J.Systems and methods to facilitate an acquisition of information associated with a requested financial account
US20030065563 *23 Aug 20023 Apr 2003Efunds CorporationMethod and apparatus for atm-based cross-selling of products and services
US20030101133 *2 Jan 200329 May 2003First American Credit Management Solusions, Inc.Workflow management system for an automated credit application system
US20030105725 *10 Sep 20025 Jun 2003Ned HoffmanTokenless identification system for authorization of electronic transactions and electronic transmissions
US20030120571 *12 Dec 200226 Jun 2003First Data CorporationAuthorizing transactions associated with accounts
US20030135457 *30 Nov 200017 Jul 2003Stewart Whitney HiltonMethod and apparatus for providing online financial account services
US20030187782 *27 Mar 20022 Oct 2003First Data CorporationMerchant activation tracking systems and methods
US20030191714 *7 Apr 20039 Oct 2003Norris Jeffrey A.Closed loop financial transaction method and apparatus
US20030208439 *3 May 20036 Nov 2003Rast Rodger H.Automated soft limit control of electronic transaction accounts
US20030212620 *24 Feb 200313 Nov 2003First Data CorporationSystems and methods for authorizing transactions
US20030229587 *15 Apr 200311 Dec 2003First Data CorporationComputerized application and underwriting systems and methods
US20030236728 *28 Mar 200325 Dec 2003Amir SunderjiMethod and apparatus for managing a financial transaction system
US20040014523 *17 Jul 200222 Jan 2004Kastner Steven RobertMethod and apparatus for enrolling gaming device players into a player-tracking system
US20040019543 *25 Jul 200229 Jan 2004First Data CorporationSystems and methods for non-account based liability reporting
US20040024671 *3 Jun 20035 Feb 2004Freund Peter C.Synthetic funds having structured notes
US20040030639 *8 Apr 200312 Feb 2004Lendingtree, Inc.Method and computer network for co-ordinating a loan over the internet
US20040030657 *19 Dec 200112 Feb 2004First Data Resources, Inc.Financial transaction account usage parameter access and control method
US20040039687 *10 Mar 200326 Feb 2004Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an applicant for credit
US20040039693 *11 Jun 200326 Feb 2004First Data CorporationValue processing network and methods
US20040049452 *9 Sep 200211 Mar 2004First Data CorporationMultiple credit line presentation instrument
US20040073511 *15 Oct 200215 Apr 2004First Data CorporationRules management systems and methods
US20040078320 *20 May 200322 Apr 2004Defrancesco James R.Computer implemented automated credit application analysis and decision routing system
US20040078323 *10 Oct 200322 Apr 2004Household International, Inc.Quality control for loan processing
US20040078328 *7 Feb 200222 Apr 2004Talbert Vincent W.Method and system for completing a transaction between a customer and a merchant
US20040087365 *28 Oct 20036 May 2004Akers David J.System and method for tracking game of chance proceeds
US20040128229 *30 Dec 20021 Jul 2004Fannie MaeSystem and method for processing data pertaining to financial assets
US20040138992 *27 Aug 200315 Jul 2004Defrancesco JamesComputer implemented automated credit application analysis and decision routing system
US20040138994 *28 Aug 200315 Jul 2004Defrancesco JamesComputer implemented automated credit application analysis and decision routing system
US20040138997 *6 Nov 200315 Jul 2004Defrancesco James R.Automated credit application system
US20040139000 *28 Apr 200315 Jul 2004Amos Carl RaymondAdvanced automatic instant money transfer machine
US20040143553 *8 Mar 200122 Jul 2004Torget John W.System and method for remotely generating instruments
US20040148203 *29 Sep 200329 Jul 2004First Data CorporationSystems and methods for verifying medical insurance coverage
US20040148241 *23 Jun 200329 Jul 2004Qi Thomas J.Method of evaluating a portfolio of leased items
US20040158524 *26 Jan 200412 Aug 2004Block Financial CorporationFinancial information access system
US20040199460 *30 Mar 20047 Oct 2004Kenneth BarashSpeech recognition system for interactively gathering and storing verbal information to generate documents
US20040205019 *21 Apr 200414 Oct 2004Lendingtree, Inc.Method and system for selecting qualification forms for financial services and financial products
US20040215554 *16 Dec 200328 Oct 2004Fannie MaeSystem and method for verifying loan data at delivery
US20040215555 *17 Dec 200328 Oct 2004Fannie MaeSystem and method for creating and tracking agreements for selling loans to a secondary market purchaser
US20040216057 *24 Apr 200328 Oct 2004Sureprep, LlcSystem and method for grouping and organizing pages of an electronic document into pre-defined catagories
US20040220873 *17 Dec 20034 Nov 2004Fannie MaeSystem and method for defining loan products
US20040220874 *17 Dec 20034 Nov 2004Fannie MaeSystem and method for defining loan products
US20040225581 *7 May 200311 Nov 2004Sureprep, LlcMulti-stage, multi-user engagement submission and tracking process
US20040225594 *16 Dec 200311 Nov 2004Fannie MaeSystem and method for pricing loans in the secondary mortgage market
US20040225596 *17 Dec 200311 Nov 2004Fannie MaeSystem and method for facilitating delivery of a loan to a secondary mortgage market purchaser
US20040230514 *23 Apr 200418 Nov 2004Cantor Index LlcSystem and method for managing risk associated with product transactions
US20040230515 *23 Apr 200418 Nov 2004Cantor Index LlcSystem and method for providing access to and managing account activity for an online account
US20040230516 *23 Apr 200418 Nov 2004Cantor Index LlcSystem and method for establishing and providing access to an online account
US20040230517 *23 Apr 200418 Nov 2004Cantor Index LlcSystem and method for establishing and providing access to various types of online accounts
US20040230522 *23 Apr 200418 Nov 2004Cantor Index LlcSystem and method for providing an intermediary for a transaction
US20040243626 *30 May 20032 Dec 2004Sureprep, LlcSystem and method for managing login resources for the submission and performance of engagements
US20040260515 *16 Jul 200423 Dec 2004Smartsignal CorporationGeneralized lensing angular similarity operator
US20040260640 *23 Apr 200423 Dec 2004Cantor Index LlcSystem and method for managing trading order requests
US20050004864 *28 Jul 20046 Jan 2005Nextcard Inc.Implementing a counter offer for an on line credit card application
US20050015280 *13 May 200420 Jan 2005First Data CorporationHealth care eligibility verification and settlement systems and methods
US20050035193 *12 Jul 200417 Feb 2005Capital Security Systems, Inc.Automated document cashing system
US20050038737 *20 Sep 200417 Feb 2005Norris Jeffrey A.Automatic financial account processing system
US20050080691 *26 Sep 200314 Apr 2005First Data CorporationSystems and methods for participant controlled communications regarding financial accounts
US20050080701 *7 Dec 200414 Apr 2005Ge Corporate Financial Services, Inc.Methods and systems for managing risk management information
US20050082364 *15 Oct 200421 Apr 2005Nexxo Financial CorporationSystems and methods for banking transactions using a stored-value card
US20050086168 *15 Oct 200421 Apr 2005Alvarez David R.Systems and methods for money sharing
US20050086579 *14 Jun 200421 Apr 2005Stephen LeitnerSystems and processes for automated criteria and attribute generation, searching, auditing and reporting of data
US20050097036 *23 Jul 20045 May 2005White Brigette A.System and method for providing instant-decision, financial network-based payment cards
US20050102229 *16 Dec 200412 May 2005Kemper John L.Internet-enabled interface for a loan commitment system
US20050187863 *20 Feb 200425 Aug 2005Whinery Christopher S.Method and system for protecting real estate from fraudulent transactions
US20050210273 *17 Mar 200422 Sep 2005Elynx, Ltd.Secure electronic message system
US20050262829 *2 Jun 20051 Dec 2005Kazuhiro ItohExhaust gas purification device of internal combustion engine
US20050267840 *27 Jul 20051 Dec 2005First Data CorporationMethods for processing a group of accounts corresponding to different products
US20050273406 *10 Nov 20048 Dec 2005Lending Tree, Inc.Method and computer network for co-ordinating a loan over the internet
US20050278426 *15 Jun 200415 Dec 2005First Data CorporationSystems and methods for merging communications
US20050288964 *14 Jun 200529 Dec 2005First Data CorporationHealth care eligibility verification and settlement systems and methods
US20050289080 *10 May 200529 Dec 2005Nexus Corporation S.A.Transaction system
US20060004660 *30 Jun 20045 Jan 2006Pranger Eugene PPersonal teller system and method of remote interactive and personalized banking
US20060026083 *30 Jul 20042 Feb 2006Wyle David ASystem and method for creating cross-reference links, tables and lead sheets for tax return documents
US20060036537 *23 Feb 200516 Feb 2006Neteller PlcRisk management in an expeditious funds-holder payor authentication and funds transfer system and methodology
US20060036543 *21 Jul 200516 Feb 2006First Data CorporationCreating groups of linked accounts
US20060041500 *19 Aug 200523 Feb 2006Leadpoint, Inc.System for implementing automated open market auctioning of leads
US20060069641 *21 Sep 200530 Mar 2006Mark MerithewMethod, computer program product, and system for assuming a loan
US20060089894 *4 Oct 200527 Apr 2006American Express Travel Related Services Company,Financial institution portal system and method
US20060093110 *8 Dec 20054 May 2006First Data CorporationCommunication point usage scheduling
US20060100944 *28 Jan 200511 May 2006Lendingtree, LlcMethod and computer network for co-ordinating financial services/products
US20060136257 *15 Feb 200622 Jun 2006Dynamic Solutions International CorporationEnterprise based issuance of identification cards
US20060149664 *24 Feb 20056 Jul 2006Jp Morgan Chase BankMarketing system and method
US20060155618 *7 Jan 200513 Jul 2006Wyle David AEfficient work flow system and method for preparing tax returns
US20060155642 *9 Mar 200613 Jul 2006Leadpoint, Inc.Ranking system using instant post-transaction surveying of transaction judges
US20060161486 *20 Jan 200520 Jul 2006InfusitFinancial services credit program
US20060167952 *7 Mar 200627 Jul 2006First Data CorporationCommunication point bulk mail
US20060179117 *19 Dec 200510 Aug 2006Block Financial CorporationSystem for on-line financial services using distributed objects
US20060184585 *7 Mar 200617 Aug 2006First Data CorporationCommunication point delivery instructions
US20060190394 *11 Oct 200524 Aug 2006Imx Mortgage ExchangeInteractive mortgage and loan information and real-time trading system
US20060196932 *16 May 20067 Sep 2006First Data CorporationRules management systems and methods
US20060226216 *11 Apr 200512 Oct 2006I4 Licensing LlcMethod and system for risk management in a transaction
US20060229974 *11 Apr 200512 Oct 2006I4 Licensing LlcMethod of extending credit to at least one consumer and method of processing a transaction between a consumer and a merchant
US20060229996 *11 Apr 200512 Oct 2006I4 Licensing LlcConsumer processing system and method
US20060253320 *6 May 20059 Nov 2006First Data CorporationLoyalty systems and methods
US20060255124 *11 May 200516 Nov 2006Jp Morgan Chase BankMethod and system for discovering significant subsets in collection of documents
US20060259387 *25 Jul 200616 Nov 2006First Data CorporationMerchant account activation system
US20060259388 *25 Jul 200616 Nov 2006First Data CorporationMerchant account activation system
US20060259440 *13 May 200516 Nov 2006KeycorpMethod and system for electronically signing a document
US20060265259 *25 Apr 200623 Nov 2006Marc DianaAutomated attachment of segmentation data to hot contact leads for facilitating matching of leads to interested lead buyers
US20060277123 *31 Jul 20047 Dec 2006William KennedyIntegrated electronic credit application, contracting and securitization system and method
US20060278693 *8 Jun 200614 Dec 2006First Data CorporationDynamic inclusion of security features upon a commercial instrument systems and methods
US20070016520 *22 Sep 200618 Jan 2007Gang John ESystem and method for facilitating sale of a loan to a secondary market purchaser
US20070022027 *27 Aug 200425 Jan 2007Sandeep GuptaApplication processing and decision systems and processes
US20070027785 *5 Oct 20061 Feb 2007Nextcard, Inc.Method and apparatus for a verifiable on line rejection of an applicant for credit
US20070043665 *24 Aug 200622 Feb 2007Jp Morgan Chase BankService charge adjustment platform
US20070055628 *19 Sep 20068 Mar 2007First Data CorporationAuthorizing transactions associated with accounts
US20070061254 *15 Sep 200615 Mar 2007Richard BlunckSystems and methods for opening, funding, and managing financial accounts
US20070078762 *18 May 20065 Apr 2007Triola C RSystems, apparatus, and method re escrow data and documentation
US20070100748 *19 Oct 20063 May 2007Sanjeev DheerMulti-channel transaction system for transferring assets between accounts at different financial institutions
US20070164102 *17 Jan 200719 Jul 2007Scott HaertelSystem for authorizing credit use
US20070168283 *23 Jan 200719 Jul 2007Nexxo Financial CorporationSelf-service money remittance with an access card
US20070179827 *27 Aug 20042 Aug 2007Sandeep GuptaApplication processing and decision systems and processes
US20070192312 *14 Mar 200716 Aug 2007Jpmorgan Chase Bank, N.A.System and method for dynamic, multivariable comparison of financial products
US20070199986 *26 Dec 200630 Aug 2007Walsh Timothy JIssuing a value-bearing card associated with only non-personally identifying information
US20070226132 *7 May 200727 Sep 2007First Data CorporationMerchant application and underwriting systems and methods
US20070237315 *6 Jun 200711 Oct 2007First Data CorporationSystem for maintaining type and/or status information for a party - communication point relationship
US20070239786 *6 Jun 200711 Oct 2007First Data CorporationSystem for maintaining regulatory compliance of communication point data
US20070244778 *26 Mar 200718 Oct 2007Moneynow Network, Inc.System and method for cash distribution and management
US20070244816 *13 Apr 200718 Oct 2007Mustafa PatniSystems and methods for opening, funding, and/or using a financial account, such as a checking account
US20070265986 *7 May 200715 Nov 2007First Data CorporationMerchant application and underwriting systems and methods
US20070276749 *13 Jan 200629 Nov 2007Vagim James G IiiMethods and systems for deal structuring for automobile dealers
US20070288375 *23 Feb 200413 Dec 2007I4 Licensing LlcComputer-Implemented Method, System and Apparatus for the Dynamic Verification of a Consumer Engaged in a Transaction with a Merchant and Authorization of the Transaction
US20080015982 *19 Jul 200717 Jan 2008Jeremy SokolicFunds transfer method and system including payment enabled invoices
US20080029475 *3 Aug 20067 Feb 2008Scarola Leonard SPlastic coffee container with pinch grip
US20080034213 *16 Jan 20077 Feb 2008Elynx, Ltd.Electronic document management system
US20080040112 *10 Oct 200714 Feb 2008Kenneth BarashVoice recognition system for interactively gathering information to generate documents
US20080046358 *22 Oct 200721 Feb 2008First Data CorporationMethods For Processing A Group Of Accounts Corresponding To Different Products
US20080059363 *31 Aug 20066 Mar 2008Stephen HotzMethod and System for Rapid Loan Approval
US20080061136 *30 Oct 200713 Mar 2008International Business Machines CorporationMethdo and system for discovering significant subsets in collection of documents
US20080086759 *10 Oct 200610 Apr 2008Colson Christen JVerification and authentication systems and methods
US20080091530 *27 Apr 200717 Apr 2008Rockne EgnatiosMethods and systems for providing cross-selling with online banking environments
US20080091540 *13 Dec 200717 Apr 2008First Data CorporationSystems and methods for redeeming rewards associated with accounts
US20080091582 *13 Dec 200717 Apr 2008First Data CorporationSystems and methods for redeeming rewards associated with accounts
US20080091591 *27 Apr 200717 Apr 2008Rockne EgnatiosMethods and systems for opening and funding a financial account online
US20080091593 *27 Apr 200717 Apr 2008Rockne EgnatiosMethods and systems for opening and funding a financial account online
US20080097856 *13 Dec 200724 Apr 2008First Data CorporationSystems and methods for redeeming rewards associated with accounts
US20080103966 *31 Oct 20061 May 2008Chuck FosterSystem and/or method for dynamic determination of transaction processing fees
US20080114674 *9 Jan 200815 May 2008Johnson Gregory AASP Business Decision Engine
US20080114704 *13 Nov 200715 May 2008Komiskey, Stephen W.System and Method for Providing Financial services to High Net Worth Individuals
US20080120211 *24 Jan 200822 May 2008Dror OppenheimerSystem and method for modifying attribute data pertaining to financial assets in a data processing system
US20080120224 *16 Nov 200622 May 2008Richard Adolfo NewcombCentralized loan application and processing
US20080120432 *17 Oct 200722 May 2008Thomson Financial Inc.Electronic commerce infrastructure system
US20080133643 *8 Feb 20085 Jun 2008Thomson Financial Inc.Distributed commerce system
US20080162313 *2 Jan 20073 Jul 2008First Data CorporationIntegrated communication solution
US20080167956 *9 Jan 200710 Jul 2008I4 Commerce Inc.Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale
US20080177594 *3 Dec 200724 Jul 2008Bob LamoureuxElectronic sales system
US20080179386 *11 Jul 200731 Jul 2008Daniel OberanAtm dispensable non-cash media sheet with separable folding card and process of dispensing from automated teller
US20080203153 *26 Feb 200728 Aug 2008I4 Commerce Inc.Method and system for engaging in a transaction between a consumer and a merchant
US20080208737 *4 Apr 200828 Aug 2008Cash Edge, Inc.Funds Transfer Method and Apparatus
US20080215482 *29 Feb 20084 Sep 2008Sourcetec, Inc.Mortgage loan data processing system and method for a loan broker
US20080270294 *31 Oct 200730 Oct 2008Lent Jeremy RMethod and Apparatus for a Verifiable On Line Rejection of an Applicant for Credit
US20080288392 *7 May 200720 Nov 2008First Data CorporationMerchant application and underwriting systems and methods
US20080301023 *2 May 20084 Dec 2008Cashedge, Inc.Multi-Channel and Cross-Channel Account Opening
US20080319882 *20 Jun 200725 Dec 2008Wyle David AEfficient work flow system and method for processing taxpayer source documents
US20090044096 *6 Aug 200812 Feb 2009Sandeep GuptaSystems and methods for managing statistical expressions
US20090048999 *24 Oct 200819 Feb 2009Sandeep GuptaApplication processing and decision systems and processes
US20090076973 *24 Nov 200819 Mar 2009Kemper John LSystem and method for creating and tracking agreements for selling loans to a secondary market purchaser
US20090112753 *24 Oct 200830 Apr 2009Sandeep GuptaApplication processing and decision systems and processes
US20090112759 *30 Oct 200730 Apr 2009Chuck FosterAccumulated transactions
US20090144188 *29 Nov 20074 Jun 2009Finance And Compliance SolutionsApparatus, system and computer program product for a paperless credit application process
US20090144191 *24 Sep 20084 Jun 2009Douglas LebdaMethod and computer network for co-ordinating a loan over the internet
US20090254487 *26 May 20098 Oct 2009International Projects Consultancy Services, Inc.Automated loan processing system and method
US20090259586 *5 Feb 200915 Oct 2009Tom ReddinMethod and computer network for co-ordinating financial services/products
US20090266879 *6 Jul 200929 Oct 2009Capital Security Systems, Inc.Automated banking system for dispensing money orders, wire transfer and bill payment
US20090266880 *6 Jul 200929 Oct 2009Capital Security Systems, Inc.Automated banking system for dispensing money orders, wire transfer and bill payment
US20090287591 *19 Nov 2009Sureprep, LlcMulti-stage, multi-user engagement submission and tracking process
US20100017319 *20 Jul 200921 Jan 2010Jpmorgan Chase Bank, N.A.Financing Information Processing System and Method
US20100023440 *28 Jan 2010Imx, Inc.Interactive Mortgage and Loan Information and Real-Time Trading System
US20100023446 *16 Jul 200928 Jan 2010Imx, Inc.Interactive Mortgage and Loan Information and Real-Time Trading System
US20100030799 *4 Feb 2010Parker Daniel JMethod for Generating a Computer-Processed Financial Tradable Index
US20100030803 *15 Oct 20094 Feb 2010Erik RothenbergMethod for generating business intelligence
US20100057459 *4 Mar 2010Kenneth BarashVoice recognition system for interactively gathering information to generate documents
US20100057606 *4 Mar 2010Louie Edmund HSyndication Loan Administration and Processing System
US20100070394 *10 Sep 200918 Mar 2010Sureprep LlcEfficient work flow system and method for preparing tax returns
US20100076875 *26 Nov 200825 Mar 2010Ernst Mark ASystem and method for provisioning anticipated tax refund, income or consumer loans
US20100076888 *25 Mar 2010Ernst Mark ASystem and method for provisioning a controlled secondary market for small dollar deposits and lending
US20100102119 *31 Dec 200929 Apr 2010Capital Security Systems, Inc.Automated document cashing system
US20100114766 *13 Jan 20106 May 2010Capital Security Systems, Inc.Automated document cashing system
US20100114772 *13 Jan 20106 May 2010Capital Security Systems, Inc.Automated document cashing system
US20100121762 *22 Jan 201013 May 2010Kevin BoyleSystem and Method for Card Processing with Automated Payment of Club, Merchant, and Service Provider Fees
US20100131311 *21 Nov 200827 May 2010Parker Daniel JMethod for modifying the terms of a financial instrument
US20100199279 *4 Mar 20105 Aug 2010John ConnollyUser connectivity process management system
US20100222132 *11 Sep 20062 Sep 2010Kirk Edward SanfordSystems for Enhancing Funding of Gaming
US20100268641 *28 Jun 201021 Oct 2010Fannie MaeSystem and method for verifying loan data at delivery
US20100274707 *9 Jul 201028 Oct 2010E*Trade Financial CorporationOnline trading system having real-time account opening
US20100276486 *4 Nov 2010Ready Credit CorporationIssuing a value-bearing card associated with only non-personally identifying information
US20100287092 *25 Feb 200411 Nov 2010Bank One, Delaware National AssociationMethod and system for real estate loan administration
US20100306072 *28 Aug 20092 Dec 2010Bank Of America CorporationInstant financial credit system
US20100312684 *9 Dec 2010Kemper John LLoan commitment system and method
US20110060685 *14 Sep 201010 Mar 2011Ugenius Technology, LlcPersonal teller system and method of remote interactive and personalized banking
US20110066542 *15 Nov 201017 Mar 2011Adam BurgisSystem and method for managing risk associated with product transactions
US20110093420 *15 Oct 201021 Apr 2011Erik RothenbergComputer-processing system scoring subjects relative to political, economic, social, technological, legal and environmental (pestle) factors, utilizing input data and a collaboration process, transforming a measurement valuation system regarding the value of subjects against an agenda
US20110099081 *6 Jan 201128 Apr 2011Leadpoint, Inc.System for Automated Trading of Informational Items and Having Integrated Ask-and-Post Features
US20110112955 *1 Oct 201012 May 2011Fannie MaeSystem and method for pricing loans in the secondary mortgage market
US20110125619 *26 May 2011Bill Me Later, Inc.Method and system for completing a transaction between a customer and a merchant
US20120101833 *9 Nov 201126 Apr 2012C-Sam, Inc.Transactional services
US20130046628 *22 Oct 201221 Feb 2013James D. BennettPersistence mechanism for facilitating online transactions
US20130297487 *21 Nov 20127 Nov 2013Sean MacguireSystem and Method for Providing a Cash Advance
USD67865319 Mar 2013Jpmorgan Chase Bank, N.A.Drive-up financial transaction machine
USD69007413 Mar 201317 Sep 2013Jpmorgan Chase Bank, N.A.Financial transaction machine
USD69398422 Jan 201319 Nov 2013Jpmorgan Chase Bank, N.A.Drive-up financial transaction machine
USRE450077 Jun 20118 Jul 2014Sureprep, LlcEfficient work flow system and method for processing taxpayer source documents
EP1102224A2 *20 Nov 200023 May 2001Canadian Imperial Bank of CommerceAn automated account opening system and method, and locations for utilizing an automated account opening system and method
WO2000026832A1 *25 Oct 199911 May 2000Nextcard, Inc.Method and apparatus for an account level offer of credit and real time balance transfer
WO2001018708A1 *1 Sep 200015 Mar 2001Capital One Financial CorporationSystem and method for offering and providing secured credit card products
WO2002073350A2 *8 Mar 200219 Sep 2002E*Trade Group, Inc.Online trading system having real-time account opening
WO2002073350A3 *8 Mar 200227 Nov 2003Trade Group Inc EOnline trading system having real-time account opening
WO2004023260A2 *5 Sep 200318 Mar 2004First Data CorporationMultiple credit line presentation instrument
WO2004023260A3 *5 Sep 200315 Jul 2004First Data CorpMultiple credit line presentation instrument
WO2004036474A1 *10 Oct 200329 Apr 2004First Data CorporationRules management systems and methods
WO2005038627A2 *15 Oct 200428 Apr 2005Nexxo Financial CorporationSystems and methods for banking transactions using a stored-value card
WO2005038627A3 *15 Oct 200422 Sep 2005David AlvarezSystems and methods for banking transactions using a stored-value card
WO2010059664A1 *18 Nov 200927 May 20103Phases, LlcMethod for modifying the terms of a financial instrument
WO2014205483A1 *24 Jun 201431 Dec 2014Venture 5 Group Pty LtdKiosk terminals configured to dispense loan funds, and computer implemented methods and frameworks for processing transaction data and enabling determinations in relation to financial products
Classifications
U.S. Classification705/38, 705/35, 705/43, 705/42, 705/39
International ClassificationG06Q20/18, G06Q20/10, G06Q20/40, G06Q40/00, G07F19/00, G07F7/08
Cooperative ClassificationG06Q20/1085, G06Q40/02, G07F19/20, G07F7/08, G06Q20/108, G06Q40/025, G06Q20/40, G06Q20/10, G06Q20/18, G06Q20/4037, G07F19/201, G06Q40/00
European ClassificationG06Q40/02, G06Q20/18, G07F19/20, G06Q20/4037, G07F19/201, G06Q40/00, G06Q40/025, G06Q20/40, G06Q20/1085, G06Q20/108, G06Q20/10, G07F7/08
Legal Events
DateCodeEventDescription
18 May 1998ASAssignment
Owner name: AFFINITY TECHNOLOGY GROUP, INC., SOUTH CAROLINA
Free format text: CHANGE OF NAME;ASSIGNOR:AFFINITY FINANCIAL GROUP, INC.;REEL/FRAME:009200/0106
Effective date: 19951204
Owner name: AFFINITY FINANCIAL GROUP, INC., SOUTH CAROLINA
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:NORRIS, JEFFREY A.;REEL/FRAME:009200/0109
Effective date: 19950228
6 Jun 2000RRRequest for reexamination filed
Effective date: 20000427
18 Jun 2002ASAssignment
Owner name: DECISIONING.COM, INC., SOUTH CAROLINA
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:AFFINITY TECHNOLOGY GROUP, INC.;REEL/FRAME:013011/0221
Effective date: 20020606
5 Feb 2003FPAYFee payment
Year of fee payment: 4
5 Mar 2003REMIMaintenance fee reminder mailed
20 Dec 2005B1Reexamination certificate first reexamination
Free format text: CLAIMS 1 AND 8 ARE DETERMINED TO BE PATENTABLE AS AMENDED. CLAIMS 2, 3, 4, 5, 6, AND 7, DEPENDENT ON AN AMENDED CLAIM, ARE DETERMINED TO BE PATENTABLE.
10 Jan 2007FPAYFee payment
Year of fee payment: 8
21 Mar 2011REMIMaintenance fee reminder mailed
17 Aug 2011LAPSLapse for failure to pay maintenance fees
4 Oct 2011FPExpired due to failure to pay maintenance fee
Effective date: 20110817